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125 Plan
C+ Composite 60.95
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 +19.1/30.0
  • ARV discount +15.0/15.0
  • DSCR +6.0/10.0
  • 1% rule +5.1/10.0
  • Schools +4.8/10.0
  • Livability +4.0/5.0
  • Condition / age +4.0/5.0
  • Rent growth +2.9/5.0
  • Appreciation +0.0/10.0

$165,000

125 Plan · Fort Worth, TX 76040
2 bd · 2.0 ba · 1,365 sqft · SingleFamily · 624 Days on market
Good condition $121/sqft · 43% below area Est $288k · 43% under

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

Listing remarks MLS

Luxury plan with pampered bath and cook's dream kitchen. Upgrade stainless steel appliances. Upgrade kitchen vent with beautiful, paneled millwork. Extensive and Expensive tile in kitchen. Harston Woods is a land-lease community. Monthly lot rental fees are $670 for standard lots and $705 for premium lots. License # MHDRET36197. Call 817-540-2000 for more information.

Key facts

  • Upgrade kitchen vent
  • Listed 623 days

Tags

UPGRADE KITCHEN VENTEXPENSIVE TILE IN KITCHEN

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/2.0-bath single-family listed at $165k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $175 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $165k).
  • Recommended offer: $145k (12.0% below list) — sets the bar for market timing.
  • Cap rate 7.6% vs local median 3.9% in Fort Worth — 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 80/100 on livability (#49 in TX, #1,954 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, cost of living A+, housing A+; Watch: crime F.
  • Hurst-Euless-Bedford ISD (suburban): math 47% / reading 50% proficiency, ranked #193 of 826 in TX (top 23%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Wilshire El (math 47% / reading 42%, grade F, #1,155 of 4,322 statewide, top 29%, 641 students, 64% FRL); Harwood J H (math 57% / reading 65%, grade B+, #145 of 1,662 statewide, top 9%, 1,038 students, 45% FRL); Trinity H S (math 62% / reading 17%, grade F, #821 of 1,632 statewide, top 53%, 2,665 students, 56% FRL).
  • Market conditions: Rents rising (+1.6%/yr); 122 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 36d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 58% of comp listings sitting > 30 days — soft ceiling on asking rent; 18,938 units permitted in Tarrant County in 2024 (8,336 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
  • Tarrant County population projected at +41% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 624 days — a 12% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

  • Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $145,200 (12.0% below list)

Questions for the listing agent

  1. It's been on market 624 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. 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?
  5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  6. 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.
  7. 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.
  8. 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
1.01%
Cap rate
7.57%
Cash-on-cash
4.55%
DSCR
1.20
GRM
8.3

CMA / ARV

ARV (median comp)
$288,198
List price
$165,000
Delta
-42.75%
Verdict
UNDERPRICED
Comps
10 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
909 Columbus Ct 1.42mi 3/2.0 (+1) 1,382 (+1%) 2mo $340,000 $246 56
1613 Trinity Ct 1.43mi 3/2.0 (+1) 1,443 (+6%) 5mo $329,999 $229 46
2313 Gettysburg Pl 1.45mi 3/2.0 (+1) 1,449 (+6%) 4mo $325,000 $224 46
733 Bluebonnet Dr 1.48mi 3/2.0 (+1) 1,233 (-10%) 0mo $299,000 $242 44
1206 Hanover Dr 1.05mi 3/2.0 (+1) 1,461 (+7%) 6mo $340,000 $233 43
813 Prestwick St 1.27mi 3/2.0 (+1) 1,503 (+10%) 4mo $285,000 $190 40
2312 Dalewood Ln 1.49mi 2/2.0 1,138 (-17%) 2mo $200,000 $176 38
817 Savannah Way 1.27mi 3/2.0 (+1) 1,654 (+21%) 2mo $379,900 $230 33
904 Nelson Ter 1.46mi 3/2.0 (+1) 1,139 (-17%) 3mo $245,000 $215 33
2806 Amberton Pl 1.19mi 3/2.0 (+1) 1,705 (+25%) 3mo $329,900 $193 32
812 Prestwick St 1.27mi 3/2.0 (+1) 1,639 (+20%) 3mo $325,000 $198 32
804 Natchez Ave 1.23mi 3/2.0 (+1) 1,583 (+16%) 5mo $315,000 $199 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 · 1.62% rent growth · sell at horizon

5-year hold
IRR
-10.8%
Equity multiple
0.61×
Total profit
$-17,842
Equity at exit
$24,602
10-year hold
IRR
-3.5%
Equity multiple
0.78×
Total profit
$-10,179
Equity at exit
$14,266

Cash invested: $46,200 (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
3 active
Median asking
$165,000 ($141/sqft)
Median days on market
526 d
This list price
lowest-priced of the active set
ARV vs active asking
+50.1% above current asking $/sqft

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

ZIP-level market 76040

Home prices YoY
-23.6%
Rents YoY
1.6%
Active inventory
122
Price-to-rent
8.3×

Monthly cashflow live

Estimated rent
$1,665 high interval (Pro) →
Mortgage (P&I)
$865
Tax est. 1.5%
$206 /mo · $2,475/yr
Insurance
$69
HOA
$0
Vacancy / Maint / Mgmt
$350
Net cashflow
$175

Break-even live

Break-even rent $1,443
Max offer price $165,000
Occupancy floor 84%

Sensitivity live

Price -10% $289 -5% $232 +0% $175 +5% $118 +10% $61
Rent -10% $44 -5% $109 +0% $175 +5% $241 +10% $307
Rate -1.0pp $258 -0.5pp $217 base $175 +0.5pp $132 +1.0pp $89

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
$41,250
Closing costs
$4,950
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
10684 Tube Dr Unit 502 Hurst, TX 3.0 2.0 1778 $1,845 $1.04 36d 1 0.44mi
10604 Tube Dr Unit 10684-502 Hurst, TX 3.0 2.0 1778 $1,845 $1.04 36d 1 0.50mi
10552 Tube Dr Unit 803 Hurst, TX 3.0 2.0 1600 $1,995 $1.25 93d 1 0.50mi
10548 Tube Dr Unit 704 Hurst, TX 3.0 2.0 1600 $1,995 $1.25 93d 1 0.50mi
10524 Tube Dr Unit 102 Hurst, TX 3.0 2.0 1600 $1,995 $1.25 21d 1 0.50mi
10520 Tube Dr Unit 10524-102 Hurst, TX 3.0 2.0 1600 $1,995 $1.25 21d 1 0.52mi
10520 Tube Dr Unit 10552-803 Hurst, TX 3.0 2.0 1600 $1,995 $1.25 93d 1 0.52mi
3475 Valley Vista Dr Fort Worth, TX 3.0 2.0 1500 $1,995 $1.33 73d 1 0.54mi
3475 Valley Vista Dr Fort Worth, TX 3.0 2.0 1500 $2,095 $1.40 93d 1 0.54mi
3520 Garrett Rd Euless, TX 3.0 2.0 1151 $1,945 $1.69 48d 1 0.61mi
3601 Valley Vista Dr Unit 3625-605 Hurst, TX 2.0 2.5 1350 $1,650 $1.22 28d 1 0.67mi
3601 Valley Vista Dr Unit 3625-601 Hurst, TX 2.0 2.5 1350 $1,650 $1.22 73d 1 0.67mi
3601 Valley Vista Dr Unit 3629-701 Hurst, TX 3.0 2.0 1520 $1,865 $1.23 0d 1 0.67mi
3625 Valley Vista Dr #605 Hurst, TX 2.0 2.5 1350 $1,650 $1.22 28d 1 0.69mi
3625 Valley Vista Dr Unit 601 Hurst, TX 2.0 2.5 1350 $1,650 $1.22 73d 1 0.69mi
3629 Valley Vista Dr Unit 701 Fort Worth, TX 3.0 2.0 1520 $1,865 $1.23 0d 1 0.70mi
1601 Sotogrande Blvd Hurst, TX 4.0 1.0–4.0 1422 $1,960 $1.38 0d 246 0.76mi
1700 Sotogrande Blvd Hurst, TX 3.0 2.0 1321 $2,045 $1.55 30d 1 0.86mi
1700 Sotogrande Blvd Hurst, TX 2.0 2.0 1080 $1,760 $1.63 7d 1 0.86mi
1700 Sotogrande Blvd Hurst, TX 1.0 1.0 897 $1,346 $1.50 4d 1 0.86mi
1700 Sotogrande Blvd Hurst, TX 1.0 2.0 1008 $1,267 $1.26 52d 1 0.86mi
1700 Sotogrande Blvd Hurst, TX 2.0 2.0 1080 $1,580 $1.46 54d 1 0.86mi
1700 Sotogrande Blvd Hurst, TX 1.0 1.0 997 $1,415 $1.42 71d 1 0.86mi
1700 Sotogrande Blvd Hurst, TX 2.0 2.0 1080 $1,339 $1.24 73d 1 0.86mi
11450 Trinity Blvd Euless, TX 1.0–3.0 1.0–2.0 991 $2,060 $2.08 0d 147 0.91mi
1304 Raider Dr Euless, TX 1.0–3.0 1.0–2.0 835 $1,329 $1.59 1d 14 0.91mi
1401 Sotogrande Blvd Euless, TX 3.0 2.0 1286 $1,823 $1.42 3d 1 0.92mi
1401 Sotogrande Blvd Euless, TX 1.0 2.0 1138 $1,489 $1.31 37d 1 0.92mi
1401 Sotogrande Blvd Euless, TX 2.0 2.0 1169 $1,950 $1.67 4d 1 0.92mi
1736 Sotogrande Blvd Unit 212 Hurst, TX 2.0 2.0 1050 $1,116 $1.06 0d 1 0.93mi
1736 Sotogrande Blvd Unit 309 Hurst, TX 3.0 2.0 1286 $1,680 $1.31 0d 1 0.93mi
1736 Sotogrande Blvd Unit 611 Hurst, TX 3.0 2.0 1286 $1,700 $1.32 39d 1 0.93mi
1736 Sotogrande Blvd Unit 1769 Hurst, TX 3.0 2.0 1286 $1,662 $1.29 23d 1 0.93mi
1736 Sotogrande Blvd Unit 3121 Hurst, TX 3.0 2.0 1286 $1,713 $1.33 23d 1 0.93mi
1736 Sotogrande Blvd Unit 411 Hurst, TX 1.0 1.0 888 $818 $0.92 40d 1 0.93mi
1736 Sotogrande Blvd Unit 3121 Hurst, TX 3.0 2.0 1286 $1,657 $1.29 36d 1 0.93mi
1736 Sotogrande Blvd Hurst, TX 1.0 1.0 888 $785 $0.88 37d 1 0.93mi
1401 Sotogrande Blvd Euless, TX 2.0 2.0 1180 $1,711 $1.45 93d 1 1.01mi
1401 Sotogrande Blvd Euless, TX 3.0 2.0 1248 $2,246 $1.80 73d 1 1.01mi
1401 Sotogrande Blvd Euless, TX 1.0 1.0 913 $1,397 $1.53 70d 1 1.01mi

Listing history 50 events

  1. 2026-08-08
    days on market $165,000 Active 624 DOM
  2. 2026-08-06
    days on market $165,000 Active 622 DOM
  3. 2026-08-05
    days on market $165,000 Active 621 DOM
  4. 2026-08-04
    days on market $165,000 Active 620 DOM
  5. 2026-08-03
    days on market $165,000 Active 619 DOM
  6. 2026-07-31
    days on market $165,000 Active 616 DOM
  7. 2026-07-30
    days on market $165,000 Active 614 DOM
  8. 2026-07-28
    days on market $165,000 Active 613 DOM
  9. 2026-07-26
    days on market $165,000 Active 611 DOM
  10. 2026-07-24
    days on market $165,000 Active 609 DOM
  11. 2026-07-23
    days on market $165,000 Active 608 DOM
  12. 2026-07-22
    days on market $165,000 Active 607 DOM
  13. 2026-07-21
    days on market $165,000 Active 606 DOM
  14. 2026-07-20
    days on market $165,000 Active 605 DOM
  15. 2026-07-18
    days on market $165,000 Active 603 DOM
  16. 2026-07-18
    days on market $165,000 Active 602 DOM
  17. 2026-07-16
    days on market $165,000 Active 601 DOM
  18. 2026-07-15
    days on market $165,000 Active 600 DOM
  19. 2026-07-14
    days on market $165,000 Active 599 DOM
  20. 2026-07-13
    days on market $165,000 Active 598 DOM
  21. 2026-07-13
    days on market $165,000 Active 597 DOM
  22. 2026-07-11
    days on market $165,000 Active 596 DOM
  23. 2026-07-10
    days on market $165,000 Active 595 DOM
  24. 2026-07-09
    days on market $165,000 Active 594 DOM
  25. 2026-07-07
    days on market $165,000 Active 592 DOM
  26. 2026-07-06
    days on market $165,000 Active 591 DOM
  27. 2026-07-06
    days on market $165,000 Active 590 DOM
  28. 2026-07-05
    days on market $165,000 Active 589 DOM
  29. 2026-07-03
    days on market $165,000 Active 588 DOM
  30. 2026-07-02
    days on market $165,000 Active 587 DOM
  31. 2026-07-01
    days on market $165,000 Active 586 DOM
  32. 2026-06-30
    days on market $165,000 Active 585 DOM
  33. 2026-06-29
    days on market $165,000 Active 584 DOM
  34. 2026-06-28
    days on market $165,000 Active 583 DOM
  35. 2026-06-27
    days on market $165,000 Active 582 DOM
  36. 2026-06-26
    days on market $165,000 Active 581 DOM
  37. 2026-06-24
    days on market $165,000 Active 579 DOM
  38. 2026-06-22
    days on market $165,000 Active 577 DOM
  39. 2026-06-21
    days on market $165,000 Active 576 DOM
  40. 2026-06-18
    days on market $165,000 Active 573 DOM
  41. 2026-06-17
    days on market $165,000 Active 572 DOM
  42. 2026-06-16
    days on market $165,000 Active 571 DOM
  43. 2026-06-15
    days on market $165,000 Active 570 DOM
  44. 2026-06-13
    days on market $165,000 Active 568 DOM
  45. 2026-06-09
    days on market $165,000 Active 564 DOM
  46. 2026-06-08
    days on market $165,000 Active 563 DOM
  47. 2026-06-07
    days on market $165,000 Active 562 DOM
  48. 2026-06-04
    days on market $165,000 Active 559 DOM
  49. 2026-06-03
    days on market $165,000 Active 558 DOM
  50. 2026-06-02
    days on market $165,000 Active 557 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 3/10 Moderate
  • 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 25 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 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
$19,980
− Mortgage interest
−$9,243
− Property taxes
−$2,475
− Insurance
−$825
− Repairs & maintenance
−$1,598
− Management
−$1,598
− Depreciation
−$4,800
Taxable loss
−$559
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$134
After-tax cash flow
$2,235/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 · 11 photos

Good 80/100 Cosmetic rehab Est. rehab $6,825–$20,475 screening

This home is in good condition with modern finishes and a good layout. It has potential for further value increases with minor updates.

Value-add opportunities

  • Both Paint interior walls — Fresh paint can make a home more appealing
  • Both Replace carpet with hardwood flooring — Hardwood flooring is more durable and adds value
  • Both Install smart home devices — Smart home devices can increase convenience 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 Wilshire El F TX #1,155/4,322 Nat'l #16,061/41,679 Middle Harwood J H B+ TX #145/1,662 Nat'l #1,667/14,009 High Trinity H S F TX #821/1,632 Nat'l #8,293/17,239

Schools (NCES district)

District
Hurst-Euless-Bedford ISD
NCES district ID
4824060
Math proficiency
47% ▼ -15.00%
Reading proficiency
50% ▼ -5.00%
Median HH income
$56,086
Composite
42.12/100
National rank
#3316
State rank
#193 of 826 in TX
A Composite livability gradescore 80/100

Livability — Fort Worth

Score
80/100
State rank
#49
US rank
#1954

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Fort Worth, TX
County
Tarrant County · 2,380,417 people
City population
911,619
Metro
Dallas-Fort Worth-Arlington, TX
Population (ZIP)
31,677
Household income
$72,661
Rent vs Own
56.3% rent · 43.7% own
Severe rent burden
17% of renters

Population outlook (Tarrant County) Hauer SSP2

Today (2025)
2,380,417 people
By 2030
2,578,900 · +8.3%
By 2040
2,974,995 · +25.0%
By 2050
3,350,489 · +40.8%
By 2075
4,216,909 · +77.2%
By 2100
4,741,527 · +99.2%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.78)
Race & ethnicity
White 31% Black 24% Hispanic / Latino 22% Two or more races 16% Asian 14% Pacific Islander 2%
Hispanic origin (detail)
Mexican 16% Puerto Rican 2%
Common ancestry
Italian 1% Serbian 1% Lithuanian 1%
Foreign-born
27% · Canada, Vietnam, China
Languages at home
59% English-only · Spanish 16% Other Indo-European 8% Other Asian/Pacific 4%

Political lean MEDSL · Tarrant

2024 margin
Lean R (+5.1) · D 46.7% · R 51.9% · Other 1.4%
2008→2024 swing
+6.6pp toward D · 2008: -11.7pp · 2024: -5.1pp
All cycles
2024: R+5.1 2020: D+0.2 2016: R+8.7 2012: R+15.7 2008: R+11.7

Not yet ingested

Civics

Price history

5 events — show timeline
  • 2025-03-01 Relisted Zillow
  • 2025-02-11 Delisted Zillow
  • 2025-01-14 Relisted Zillow
  • 2024-11-05 Delisted Zillow
  • 2024-08-26 Listed $165,000 Zillow

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…