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Duval Plan 🏗️ New Construction
C+ Composite 62.17
Why this score? — see what drove the C+ 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).

  • Cash flow +22.8/30.0
  • ARV discount +7.5/15.0
  • DSCR +7.3/10.0
  • 1% rule +6.0/10.0
  • Condition / age +5.0/5.0
  • Schools +4.5/10.0
  • Appreciation +4.2/10.0
  • Rent growth +2.5/5.0
  • Livability +2.5/5.0

$467,990

Duval Plan · Sienna, TX 77459
4 bd · 3.0 ba · 2,444 sqft · SingleFamily · 161 Days on market
Excellent condition

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

The Duval floor plan in the Portrait Series features 2,444 sqft, 4 bedrooms, 3 bathrooms, and a 2-car garage. This two-story floor plan offers an enlarged main shower option, 2 kitchen upgrade options, 3rd garage bay option, fireplace options, family room vault options, and covered patio options.

Key facts

  • 2 garage spots
  • Listed 160 days

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…
🏗️ New construction. The $467,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $457,415.

What this means for you Summary

Snapshot

  • This is a 4-bed/3.0-bath single-family listed at $468k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $796 ($10k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($5k rent vs $468k).
  • Recommended offer: $412k (12.0% below list) — sets the bar for market timing.
  • Cap rate 8.4% vs local median 3.3% in Sienna — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
  • Fort Bend ISD (suburban): math 44% / reading 53% proficiency, ranked #140 of 826 in TX (top 17%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: Rents soft (-0.1%/yr); 1215 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 12,093 units permitted in Fort Bend County in 2024 (815 in 5+ unit buildings).
  • At $5,009/mo this rent would consume 47% of the median local household income ($129k/yr) (locally 1004% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-1.7%/yr); year-one equity from $3k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
  • Fort Bend County population projected at +75% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 161 days — a 12% lower offer ($412k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $411,831 (12.0% below list)

Questions for the listing agent

  1. It's been on market 161 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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.
  5. 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.
  6. 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
1.10%
Cap rate
8.38%
Cash-on-cash
7.46%
DSCR
1.33
GRM
7.6

CMA / ARV

ARV (median comp)
$457,415
List price
$467,990
Delta
2.31%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2119 Long Spring Dr 0.12mi 4/3.0 2,522 (+3%) 8mo $410,989 $163 83
8723 Arbor Trail Dr 0.28mi 4/3.0 2,381 (-3%) 3mo $365,000 $153 80
8726 Windsong Trail Dr 0.23mi 4/3.0 2,517 (+3%) 5mo $359,900 $143 80
1610 Country Air Ln 0.45mi 4/3.0 2,388 (-2%) 0mo $369,900 $155 75
1919 Waters Branch Dr 0.21mi 4/3.0 2,591 (+6%) 7mo $439,990 $170 74
8711 Fairbrook Dr 0.40mi 4/3.5 2,413 (-1%) 6mo $409,900 $170 72
8703 Red Heron Ln 0.19mi 3/3.5 (-1) 2,615 (+7%) 8mo $459,000 $176 66
1743 Country Air Ln 0.34mi 3/2.5 (-1) 2,290 (-6%) 6mo $385,000 $168 62
1706 Country Air Ln 0.40mi 4/3.5 2,700 (+10%) 6mo $375,000 $139 57
1722 Country Air Ln 0.36mi 4/3.0 2,773 (+14%) 6mo $419,000 $151 56
1639 Rosedale Dr 0.45mi 4/3.0 2,763 (+13%) 4mo $399,950 $145 54
1506 Country Air Ln 0.51mi 4/3.5 2,808 (+15%) 4mo $425,000 $151 46

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

Projected returns pro-forma

-1.67% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-2.3%
Equity multiple
0.91×
Total profit
$-11,961
Equity at exit
$95,933
10-year hold
IRR
2.2%
Equity multiple
1.17×
Total profit
$22,093
Equity at exit
$88,857

Cash invested: $128,076 (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.

ZIP-level market 77459

Home prices YoY
-0.8%
Rents YoY
-0.1%
Active inventory
1215
Price-to-rent
7.8×

Monthly cashflow live

Estimated rent
$5,009 medium interval (Pro) →
Mortgage (P&I)
$2,399
Tax est. 1.5%
$572 /mo · $6,861/yr
Insurance
$191
HOA
$0
Vacancy / Maint / Mgmt
$1,052
Net cashflow
$796

Break-even live

Break-even rent $4,001
Max offer price $457,415
Occupancy floor 79%

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
$114,354
Closing costs
$13,722
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 4 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
8719 Fox Trail Dr Missouri City, TX 4.0 3.5 2143 $6,000 $2.80 22d 1 0.13mi
2142 Ironwood Pass Dr Missouri City, TX 4.0 3.0 2140 $6,000 $2.80 1d 1 0.13mi
2718 Van Gogh Ln Missouri City, TX 4.0 2.5 3036 $3,595 $1.18 10d 1 0.87mi
1714 Forest Mist Dr Missouri City, TX 3.0 3.0 1979 $3,000 $1.52 43d 1 0.97mi

Listing history 13 events

  1. 2026-06-18
    days on market $467,990 Active 161 DOM
  2. 2026-06-17
    days on market $467,990 Active 160 DOM
  3. 2026-06-16
    days on market $467,990 Active 159 DOM
  4. 2026-06-15
    days on market $467,990 Active 158 DOM
  5. 2026-06-13
    days on market $467,990 Active 156 DOM
  6. 2026-06-09
    days on market $467,990 Active 152 DOM
  7. 2026-06-07
    days on market $467,990 Active 150 DOM
  8. 2026-06-04
    days on market $467,990 Active 147 DOM
  9. 2026-06-03
    days on market $467,990 Active 146 DOM
  10. 2026-06-02
    days on market $467,990 Active 145 DOM
  11. 2026-06-01
    days on market $467,990 Active 144 DOM
  12. 2026-05-31
    days on market $467,990 Active 143 DOM
  13. 2026-01-09
    listed $467,990 Active 297-char remark
    Show marketing remark (297 chars)

    The Duval floor plan in the Portrait Series features 2,444 sqft, 4 bedrooms, 3 bathrooms, and a 2-car garage. This two-story floor plan offers an enlarged main shower option, 2 kitchen upgrade options, 3rd garage bay option, fireplace options, family room vault options, and covered patio options.

ⓘ 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 · 0% chance over 30 yrs
  • 🔥 Wildfire 4/10 Moderate
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥111°F today · 24 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$60,107
− Mortgage interest
−$25,622
− Property taxes
−$6,861
− Insurance
−$2,287
− Repairs & maintenance
−$4,809
− Management
−$4,809
− Depreciation
−$13,307
Taxable income
$2,413
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$579
After-tax cash flow
$8,973/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 · 9 photos

Excellent 100/100 None rehab

This home is in excellent condition with no visible repairs or maintenance needed. It offers a great opportunity for an investor to add value through minor updates and improvements.

Value-add opportunities

  • Both Painting exterior and interior — Enhances curb appeal and interior aesthetics
  • Both Landscaping improvements — Enhances curb appeal and adds value
  • Both Kitchen upgrade — Expands living space and adds modern features
  • Both Bathroom upgrades — Enhances functionality and adds modern features

Renovation cost estimate screening

Value-add ROI direction

  • Both Painting exterior and interior — Enhances curb appeal and interior aesthetics
  • Both Landscaping improvements — Enhances curb appeal and adds value
  • Both Kitchen upgrade — Expands living space and adds modern features
  • Both Bathroom upgrades — Enhances functionality and adds modern features

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

District
Fort Bend ISD
NCES district ID
4819650
Math proficiency
44% ▼ -15.00%
Reading proficiency
53% ▼ -4.00%
Median HH income
$82,360
Composite
44.61/100
National rank
#2779
State rank
#140 of 826 in TX

Livability — Sienna

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Census place
Sienna, TX
County
Fort Bend County · 836,777 people
Metro
Houston-The Woodlands-Sugar Land, TX
Population (ZIP)
84,221
Household income
$129,151
Rent vs Own
14.8% rent · 85.2% own
Severe rent burden
1004.0

Population outlook (Fort Bend County) Hauer SSP2

Today (2025)
1,004,526 people
By 2030
1,153,104 · +14.8%
By 2040
1,453,718 · +44.7%
By 2050
1,753,781 · +74.6%
By 2075
2,455,772 · +144.5%
By 2100
2,930,528 · +191.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.75)
Race & ethnicity
White 34% Black 26% Asian 22% Hispanic / Latino 13% Two or more races 10%
Hispanic origin (detail)
Mexican 7%
Common ancestry
Lithuanian 2% Slovak 1% Italian 1%
Foreign-born
21% · Canada, China, Vietnam
Languages at home
73% English-only · Other Asian/Pacific 8% Spanish 7% Other Indo-European 5%

Political lean MEDSL · Fort Bend

2024 margin
Toss-up / Even · D 49.5% · R 47.9% · Other 2.6%
2008→2024 swing
+4.0pp toward D · 2008: -2.4pp · 2024: 1.6pp
All cycles
2024: D+1.6 2020: D+10.6 2016: D+6.6 2012: R+6.8 2008: R+2.4

Not yet ingested

Civics

Market trends

HPI YoY
▼ -1.67%
Current HPI
212.3573
Rent YoY
▼ -0.15%
Metro
Houston-The Woodlands-Sugar Land, TX
State GDP YoY
▲ 3.95%
F500 in state
110

Industry mix (Fortune 500 HQ in TX)

Industry F500 HQs Revenue

Price history

1 event — show timeline
  • 2026-01-09 Listed $467,990 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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