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311A Utterback St
D Composite 41.94
Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • ARV discount +13.7/15.0
  • Cash flow +8.3/30.0
  • Schools +4.8/10.0
  • Livability +3.8/5.0
  • Condition / age +3.8/5.0
  • 1% rule +2.9/10.0
  • Rent growth +2.4/5.0
  • DSCR +2.3/10.0
  • Appreciation +0.0/10.0

$219,000

311A Utterback St · Kyle, TX 78640
2 bd · 2.5 ba · 1,160 sqft · Townhouse · 138 Days on market
Built 2004 Good condition 5,662 sqft lot Garage $189/sqft · 14% below area Est $254k · 14% under $57/mo HOA · 3% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Key facts

  • $57 HOA
  • Garage
  • Community pool

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.5-bath townhouse listed at $219k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-199 ($-2k/yr) — negative.
  • To cash-flow at today's rent, offer at most $190k (13.1% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $174k (20.7% below list).
  • Recommended offer: $174k (20.7% below list) — sets the bar for 1% rule.
  • Cap rate 5.2% vs local median 3.3% in Kyle — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 75/100 on livability (#138 in TX, #3,993 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, employment A; Watch: amenities F, commute F.
  • Hays CISD (rural): math 35% / reading 41% proficiency, ranked #390 of 826 in TX (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Laura B Negley El (math 42% / reading 51%, grade D-, #1,080 of 4,322 statewide, top 25%, 1,007 students, 29% FRL); R C Barton Middle (math 56% / reading 52%, grade B-, #270 of 1,662 statewide, top 16%, 816 students, 33% FRL); Jack C Hays H S (math 41% / reading 47%, grade F, #697 of 1,632 statewide, top 43%, 2,062 students, 36% FRL).
  • Market conditions: Rents soft (-0.3%/yr); 2701 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 74d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 5,270 units permitted in Hays County in 2024 (1,464 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • Hays County population projected at +93% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 138 days — a 12% lower offer ($193k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $173,628 (20.7% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 138 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.79% ✗
Cap rate
5.20%
Cash-on-cash
-3.89%
DSCR
0.83
GRM
10.5

CMA / ARV

ARV (median comp)
$253,782
List price
$219,000
Delta
-13.71%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1612 Sanders 0.21mi 3/2.0 (+1) 1,137 (-2%) 2mo $229,999 $202 78
1524 Sanders 0.25mi 2/2.0 960 (-17%) 0mo $219,900 $229 61
437 Haupt 0.27mi 3/2.5 (+1) 1,384 (+19%) 0mo $244,999 $177 57
284 Wetzel 0.55mi 3/2.0 (+1) 1,287 (+11%) 1mo $275,000 $214 48
113 Mason Reed Cv 0.97mi 3/2.0 (+1) 1,224 (+6%) 2mo $235,000 $192 47
297 Keefer 1.48mi 3/2.0 (+1) 1,230 (+6%) 3mo $252,990 $206 45
110 Madrid 1.02mi 3/2.0 (+1) 1,274 (+10%) 3mo $269,900 $212 39
183 Grace St 0.63mi 3/2.0 (+1) 1,367 (+18%) 0mo $260,000 $190 38
115 Rei Tang Loop 1.31mi 3/2.0 (+1) 1,285 (+11%) 3mo $239,900 $187 37
198 Hogan 0.89mi 3/2.0 (+1) 1,438 (+24%) 1mo $250,000 $174 32
1377 Beechwood Dr 1.10mi 3/2.0 (+1) 1,405 (+21%) 3mo $249,000 $177 31
285 Keefer 1.49mi 3/2.0 (+1) 1,450 (+25%) 3mo $277,990 $192 30

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-26.4%
Equity multiple
0.13×
Total profit
$-53,176
Equity at exit
$32,654
10-year hold
IRR
-38.7%
Equity multiple
-0.34×
Total profit
$-82,024
Equity at exit
$18,935

Cash invested: $61,320 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Texas
87 Strongly Landlord-Friendly · R+5
County
— inherits STATE
City
— inherits STATE
3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Active competition Active MLS

For sale now
1 active
Median asking
$199,000 ($142/sqft)
Median days on market
414 d
This list price
100% of active listings are priced below it
ARV vs active asking
+54.1% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 78640

Home prices YoY
-33.8%
Rents YoY
-0.3%
Active inventory
2701
Price-to-rent
10.5×

Monthly cashflow live

Estimated rent
$1,736 high interval (Pro) →
Mortgage (P&I)
−$1,148
Tax est. 1.5%
−$274 /mo · $3,285/yr
Insurance
−$91
HOA
−$57
Vacancy / Maint / Mgmt
−$365
Net cashflow
$-199

Break-even live

Break-even rent $1,988
Max offer price $190,234
Occupancy floor —

Sensitivity live

Price -10% $-47 -5% $-123 +0% $-199 +5% $-274 +10% $-350
Rent -10% $-336 -5% $-267 +0% $-199 +5% $-130 +10% $-62
Rate -1.0pp $-89 -0.5pp $-143 base $-199 +0.5pp $-256 +1.0pp $-313

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$54,750
Closing costs
$6,570
Reserves months
—
Total cash needed
—

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
251B Utterback Unit 251 B Utterback Kyle, TX 3.0 2.5 1400 $1,700 $1.21 87d 1 0.05mi
251 Utterback Unit B Kyle, TX 3.0 2.5 1400 $1,700 $1.21 87d 1 0.06mi
5679 Fergus Unit B Kyle, TX 2.0 2.5 1218 $1,650 $1.35 51d 1 0.09mi
5711 FM 2770 Kyle, TX 3.0 3.0 1432 $1,945 $1.36 0d 3 0.14mi
215 Michaelis Unit B Kyle, TX 3.0 2.5 1232 $1,595 $1.29 87d 1 0.20mi
1612 Sanders Kyle, TX 3.0 2.0 1137 $1,800 $1.58 51d 1 0.22mi
145 Michaelis Unit A Kyle, TX 3.0 2.5 1236 $1,550 $1.25 87d 1 0.26mi
145 Michaelis Rd Kyle, TX 3.0 2.5 1236 $1,550 $1.25 38d 1 0.26mi
101 Princess Jennifer Dr Kyle, TX 3.0 2.0 1334 $1,770 $1.33 55d 1 0.29mi
1244 Nevarez Kyle, TX 3.0 2.0 1171 $1,695 $1.45 7d 1 0.38mi
305 Rocking M Rd Unit 2 Kyle, TX 2.0 2.0 800 $1,195 $1.49 164d 1 0.38mi
1020 Nevarez Kyle, TX 3.0 2.0 1384 $1,750 $1.26 10d 1 0.44mi
279 Cleveland Kyle, TX 3.0 2.5 1303 $2,100 $1.61 10d 1 0.51mi
279 Cleveland Kyle, TX 3.0 2.5 1303 $2,100 $1.61 13d 1 0.51mi
483 McGarity Kyle, TX 3.0 2.5 1305 $1,750 $1.34 74d 1 0.56mi
435 McGarity Kyle, TX 3.0 2.0 1204 $1,795 $1.49 158d 1 0.56mi
183 Glocken Ln Kyle, TX 3.0 2.0 1434 $2,275 $1.59 118d 1 0.59mi
183 Glocken Ln Kyle, TX 3.0 2.0 1434 $1,995 $1.39 10d 1 0.59mi
437 Sampson Kyle, TX 3.0 2.0 1379 $1,750 $1.27 112d 1 0.59mi
437 Sampson Kyle, TX 3.0 2.0 1379 $1,750 $1.27 107d 1 0.59mi
4831 Mather Kyle, TX 3.0 2.0 1308 $1,850 $1.41 145d 1 0.66mi
201 Edwin Kyle, TX 3.0 2.0 1333 $1,800 $1.35 112d 1 0.67mi
1181 Dorn Kyle, TX 3.0 2.0 1333 $1,825 $1.37 120d 1 0.70mi
117 Decker Kyle, TX 3.0 2.5 1422 $1,700 $1.20 105d 1 0.74mi
117 Decker Kyle, TX 3.0 2.5 1422 $1,700 $1.20 107d 1 0.74mi
510 Kohlers Xing Kyle, TX 1.0–3.0 1.0–2.0 977 $1,330 $1.36 184d 1 0.74mi
510 Kohlers Xing Kyle, TX 1.0–3.0 1.0–2.0 977 $1,330 $1.36 1d 17 0.74mi
204 Quail Meadow Dr Kyle, TX 3.0 2.0 1145 $2,500 $2.18 164d 1 0.75mi
204 Quail Meadow Dr Kyle, TX 3.0 2.0 1145 $1,800 $1.57 74d 1 0.76mi
4937 Hartson Kyle, TX 3.0 2.0 1360 $1,950 $1.43 10d 1 0.77mi
4700 Cromwell Dr Kyle, TX 3.0 2.0 1270 $1,847 $1.45 9d 1 0.79mi
4700 Cromwell Dr Kyle, TX 2.0 2.0 1025 $1,846 $1.80 10d 1 0.79mi
4624 Cromwell Dr Kyle, TX 1.0–3.0 1.0–2.0 1002 $1,565 $1.56 6d 10 0.81mi
541 Barcelona Kyle, TX 3.0 2.0 1274 $1,950 $1.53 145d 1 0.82mi
1050 Wittenburg Kyle, TX 1.0–2.0 1.0–2.0 953 $1,580 $1.66 10d 5 0.86mi
228 Patagonia Kyle, TX 3.0 2.0 1230 $1,900 $1.54 112d 1 0.87mi
252 Patagonia Kyle, TX 3.0 2.5 1434 $1,800 $1.26 10d 1 0.89mi
4300 Cromwell Dr Kyle, TX 2.0 1.0–2.0 845 $2,225 $2.63 3d 26 0.90mi
109 Mason Reed Cv Kyle, TX 3.0 2.0 1370 $1,947 $1.42 3d 1 0.93mi
321 Barcelona Kyle, TX 3.0 2.0 1276 $2,600 $2.04 158d 1 0.93mi

Property features AI

Finance

HOA & community
Homeowners association (Plum Creek HOA)Quarterly HOA fee of $172 covering common area maintenanceCommunity amenities: common grounds, dog park, fishing, golf, lake, pet amenities, playground, park, pool, sport courts, sidewalks, trails/paths, curbs, planned social activities

Exterior

Parking
DrivewayDetached garage (garage faces rear)Total 2 parking spaces (1 covered)
Security
Smoke detector(s)
Utilities
Electricity connectedNatural gas connectedWater (public)Sewer (public)Cable availableHigh speed internet available
Home design
2-story homeResale propertyNorthwest facingHas view
Construction
HardiPlank exteriorComposition/shingle roofSlab foundationBuilt by Pulte
Exterior features
Covered front porch and patioBalconyExterior stepsRain guttersOutdoor lightingPlayground (community)Back yardFront yardNear golf courseMany medium-size treesAlley accessFenced back yard with vinyl fencing and gate

Interior

Kitchen
Built-in ovenGas range / cooktop and gas ovenDishwasherMicrowaveDisposalPlumbed for ice makerVented exhaust fan
Flooring
CarpetTileVinyl
Bathrooms
2 full bathrooms1 half bathroom
Heating & cooling
Central heatingCentral air conditioningGas water heater
Interior features
Breakfast barCeiling fan(s)Interior stepsPantryStorageWalk-in closet(s)BlindsWindow screens
Laundry & utility
Laundry inside with upper-level laundry closetWasher hookupElectric dryer hookup

Listing history 50 events

  1. 2026-10-06
    days on market $219,000 Active 138 DOM
  2. 2026-10-05
    days on market $219,000 Active 137 DOM
  3. 2026-10-04
    days on market $219,000 Active 136 DOM
  4. 2026-10-04
    days on market $219,000 Active 135 DOM
  5. 2026-10-02
    days on market $219,000 Active 134 DOM
  6. 2026-10-01
    days on market $219,000 Active 133 DOM
  7. 2026-09-30
    days on market $219,000 Active 132 DOM
  8. 2026-09-29
    days on market $219,000 Active 131 DOM
  9. 2026-09-28
    days on market $219,000 Active 130 DOM
  10. 2026-09-27
    days on market $219,000 Active 129 DOM
  11. 2026-09-25
    days on market $219,000 Active 127 DOM
  12. 2026-09-24
    days on market $219,000 Active 126 DOM
  13. 2026-09-23
    days on market $219,000 Active 125 DOM
  14. 2026-09-22
    days on market $219,000 Active 124 DOM
  15. 2026-09-21
    days on market $219,000 Active 123 DOM
  16. 2026-09-20
    days on market $219,000 Active 122 DOM
  17. 2026-09-19
    days on market $219,000 Active 121 DOM
  18. 2026-09-18
    days on market $219,000 Active 120 DOM
  19. 2026-09-17
    days on market $219,000 Active 119 DOM
  20. 2026-09-16
    days on market $219,000 Active 118 DOM
  21. 2026-09-15
    days on market $219,000 Active 117 DOM
  22. 2026-09-14
    days on market $219,000 Active 116 DOM
  23. 2026-09-13
    days on market $219,000 Active 115 DOM
  24. 2026-09-12
    days on market $219,000 Active 114 DOM
  25. 2026-09-11
    days on market $219,000 Active 113 DOM
  26. 2026-09-05
    days on market $219,000 Active 107 DOM
  27. 2026-09-04
    days on market $219,000 Active 106 DOM
  28. 2026-09-03
    days on market $219,000 Active 105 DOM
  29. 2026-08-31
    days on market $219,000 Active 102 DOM
  30. 2026-08-30
    days on market $219,000 Active 101 DOM
  31. 2026-08-29
    days on market $219,000 Active 100 DOM
  32. 2026-08-28
    days on market $219,000 Active 99 DOM
  33. 2026-08-27
    days on market $219,000 Active 98 DOM
  34. 2026-08-25
    days on market $219,000 Active 96 DOM
  35. 2026-08-24
    days on market $219,000 Active 95 DOM
  36. 2026-08-23
    days on market $219,000 Active 94 DOM
  37. 2026-08-22
    days on market $219,000 Active 93 DOM
  38. 2026-08-21
    days on market $219,000 Active 92 DOM
  39. 2026-08-20
    days on market $219,000 Active 91 DOM
  40. 2026-08-19
    days on market $219,000 Active 90 DOM
  41. 2026-08-18
    days on market $219,000 Active 89 DOM
  42. 2026-08-17
    days on market $219,000 Active 88 DOM
  43. 2026-08-16
    days on market $219,000 Active 87 DOM
  44. 2026-08-15
    days on market $219,000 Active 86 DOM
  45. 2026-08-14
    days on market $219,000 Active 85 DOM
  46. 2026-08-13
    days on market $219,000 Active 84 DOM
  47. 2026-08-11
    days on market $219,000 Active 82 DOM
  48. 2026-08-10
    days on market $219,000 Active 81 DOM
  49. 2026-08-09
    days on market $219,000 Active 80 DOM
  50. 2026-08-08
    days on market $219,000 Active 79 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$20,835
− Mortgage interest
−$12,267
− Property taxes
−$3,285
− Insurance
−$1,095
− Repairs & maintenance
−$1,667
− Management
−$1,667
− HOA
−$684
− Depreciation
−$6,371
Taxable loss
−$6,201
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,488
After-tax cash flow
$-897/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 75/100 Cosmetic rehab Est. rehab $5,800–$17,400 screening

This townhouse is in good condition with minimal repairs needed. It's move-in ready with a good curb appeal and potential for value increase through exterior painting and gutter cleaning.

Value-add opportunities

  • Both Paint exterior trim — Enhances curb appeal and value ↑
  • Both Clean gutters — Improves drainage and property value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 48/100

Zoned Schools

Elementary Laura B Negley El D- TX #1,080/4,322 Nat'l #15,452/41,679 Middle R C Barton Middle B- TX #270/1,662 Nat'l #2,699/14,009 High Jack C Hays H S F TX #697/1,632 Nat'l #7,320/17,239

Schools (NCES district)

District
Hays CISD
NCES district ID
4800010
Math proficiency
35% ▼ -15.00%
Reading proficiency
41% ▼ -5.00%
Median HH income
$70,570
Composite
34.78/100
National rank
#5118
State rank
#390 of 826 in TX
B Composite livability gradescore 75/100

Livability — Kyle

Score
75/100
State rank
#138
US rank
#3993

Category grades

Amenities F Commute F Cost of living A Crime A- Employment A Housing A+ Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Kyle, TX
County
Hays County · 286,948 people
City population
77,531
Metro
Austin-Round Rock-Georgetown, TX
Population (ZIP)
77,531
Household income
$90,075
Rent vs Own
29.0% rent · 71.0% own
Severe rent burden
11% of renters

Population outlook (Hays County) Hauer SSP2

Today (2025)
286,948 people
By 2030
336,923 · +17.4%
By 2040
441,894 · +54.0%
By 2050
553,462 · +92.9%
By 2075
838,261 · +192.1%
By 2100
1,063,658 · +270.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.56)
Race & ethnicity
Hispanic / Latino 55% White 36% Two or more races 29% Black 5% Native American 1%
Hispanic origin (detail)
Mexican 47% Puerto Rican 1%
Languages at home
63% English-only · Spanish 35%

Political lean MEDSL · Hays

2024 margin
Lean D (+5.7) · D 52.1% · R 46.5% · Other 1.4%
2008→2024 swing
+7.7pp toward D · 2008: -2.0pp · 2024: 5.7pp
All cycles
2024: D+5.7 2020: D+10.8 2016: R+0.9 2012: R+10.4 2008: R+2.0

Not yet ingested

Civics
—

Price history

1 event — show timeline
  • 2026-05-21 Listed $219,000 Unlock MLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…