CashFlowRE
Sign in Sign up
5712 River Rd
D- Composite 35.74
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 +8.4/15.0
  • Cash flow +8.0/30.0
  • Condition / age +4.0/5.0
  • Livability +3.8/5.0
  • 1% rule +3.2/10.0
  • Rent growth +3.1/5.0
  • Schools +3.1/10.0
  • DSCR +2.1/10.0
  • Appreciation +0.0/10.0

$295,000

5712 River Rd · McAllen, TX 78504
4 bd · 2.0 ba · 1,984 sqft · SingleFamily public records · 19 Days on market
Built 2020 Good condition 6,703 sqft lot Garage $149/sqft · at area comps Est $301k · at est. ↓ 15% since listing

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

Listing remarks

Welcome to this beautiful and move-in ready 4-bedroom, 2.5-bath home located in the highly sought-after Tres Lagos community of McAllen, TX. This open-concept home offers modern living with a light-filled layout, ideal for families, entertaining, or simply enjoying everyday comfort. Located inside the highly desirable Tres Lagos community, youll enjoy resort-style amenities including: pools, tennis, basketball & soccer courts walking trails, parks, schools, shops & restaurants access to IDEA Public School & Texas A & M campus live the Tres Lagos lifestyle-comfort, convenience, and community all in one place. Schedule your showing today !

Key facts

  • Tres lagos community
  • Walking trails
  • 6,703 sq ft lot

Tags

TRES LAGOS COMMUNITYRESORT-STYLE AMENITIESWALKING TRAILSACCESS TO IDEA PUBLIC SCHOOLACCESS TO TEXAS A&M CAMPUS

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 4-bed/2.0-bath single-family listed at $295k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-296 ($-4k/yr) — negative.
  • To cash-flow at today's rent, offer at most $243k (17.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $243k (17.6% below list).
  • Recommended offer: $243k (17.7% below list) — sets the bar for cash-flow.
  • Cap rate 5.1% vs local median 3.9% in McAllen — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads 76/100 on livability (#119 in TX, #3,771 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, amenities F, commute F.
  • Edinburg CISD (urban): math 20% / reading 34% proficiency, ranked #699 of 826 in TX (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Anne L Magee El (math 22% / reading 37%, grade F, #2,525 of 4,322 statewide, top 62%, 450 students, 78% FRL); Elias Longoria Sr Middle (math 16% / reading 35%, grade F, #1,236 of 1,662 statewide, top 76%, 804 students, 82% FRL); Robert R Vela H S (math 27% / reading 48%, grade F, #888 of 1,632 statewide, top 55%, 2,189 students, 62% FRL).
  • Market conditions: Rents rising (+2.6%/yr); 1064 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals lingering (median 64d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 7,378 units permitted in Hidalgo County in 2024 (641 in 5+ unit buildings).
  • This rent runs 36% of the median local income ($82k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
  • Hidalgo County population projected at +28% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 19 days — a 2% lower offer ($291k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 3y 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: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $242,683 (17.7% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  4. 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?
  5. 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.
  6. 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.
  7. 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
0.82%
Cap rate
5.09%
Cash-on-cash
-4.30%
DSCR
0.81
GRM
10.1

CMA / ARV

ARV (median comp)
$300,688
List price
$295,000
Delta
-2.89%
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
5365 Escondido Pass 0.25mi 3/2.5 (-1) 2,110 (+6%) 2mo $365,000 $173 69
5613 Escondido Pass 0.10mi 4/3.5 1,769 (-11%) 6mo $299,900 $170 66
14220 Big Creek Rd 0.20mi 3/2.5 (-1) 1,780 (-10%) 2mo $305,000 $171 64
5148 Lost Creek Ln 0.42mi 4/2.0 1,773 (-11%) 6mo $299,500 $169 58
14616 Kurth Cv 0.28mi 3/2.5 (-1) 1,744 (-12%) 6mo $314,900 $181 54
14516 Buffalo Springs Way 0.24mi 3/2.5 (-1) 1,719 (-13%) 8mo $295,000 $172 53
6521 Anaqua Loop 0.59mi 4/2.5 2,160 (+9%) 4mo $359,990 $167 52
14015 Sugarberry Ln 0.68mi 4/3.0 1,848 (-7%) 4mo $331,990 $180 50
5316 Escondido Pass 0.29mi 3/2.5 (-1) 1,709 (-14%) 9mo $289,000 $169 48
14213 Gorman Falls Rd 0.45mi 3/2.5 (-1) 2,270 (+14%) 2mo $329,000 $145 46
13728 Belle Ct 0.53mi 4/3.5 1,709 (-14%) 4mo $339,990 $199 43
6327 Cascada Bend Rd 0.51mi 3/2.5 (-1) 1,696 (-14%) 11mo $283,400 $167 36

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 · 2.57% rent growth · sell at horizon

5-year hold
IRR
-24.0%
Equity multiple
0.18×
Total profit
$-67,566
Equity at exit
$43,985
10-year hold
IRR
-20.4%
Equity multiple
-0.05×
Total profit
$-86,791
Equity at exit
$25,506

Cash invested: $82,600 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
54 active · 9 under contract
Months of supply
36.0 mo (3%/mo absorbed)
Median asking
$336,490 ($168/sqft)
Median days on market
112 d
This list price
11% of active listings are priced below it
ARV vs active asking
-9.8% vs current asking $/sqft

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

ZIP-level market 78504

Home prices YoY
-29.4%
Rents YoY
2.6%
Active inventory
1064
Price-to-rent
10.1×

Monthly cashflow live

Estimated rent
$2,429 high interval (Pro) →
Mortgage (P&I)
$1,547
Tax from tax record
$545 /mo · $6,546/yr
Insurance
$123
HOA
$0
Vacancy / Maint / Mgmt
$510
Net cashflow
$-296

Break-even live

Break-even rent $2,804
Max offer price $242,683
Occupancy floor

Sensitivity live

Price -10% $-129 -5% $-213 +0% $-296 +5% $-380 +10% $-463
Rent -10% $-488 -5% $-392 +0% $-296 +5% $-200 +10% $-104
Rate -1.0pp $-148 -0.5pp $-221 base $-296 +0.5pp $-373 +1.0pp $-450

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
$73,750
Closing costs
$8,850
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 26 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
5716 River Rd McAllen, TX 3.0 2.5 1666 $2,100 $1.26 16d 1 0.02mi
14201 Mountain Ridge Ln McAllen, TX 3.0–4.0 2.0–2.5 1730 $2,591 $1.50 15d 20 0.09mi
14301 N Shary Rd McAllen, TX 3.0–4.0 2.0–2.5 1689 $2,591 $1.53 63d 9 0.11mi
14138 Wichita Falls Ln McAllen, TX 4.0 2.5 1932 $2,750 $1.42 63d 1 0.24mi
14142 Wichita Falls Ln McAllen, TX 4.0 2.5 1932 $2,715 $1.41 16d 1 0.24mi
5208 Escondido Pass McAllen, TX 3.0 2.0 2226 $2,420 $1.09 93d 1 0.26mi
14612 Kurth Cv McAllen, TX 3.0 2.0 1688 $2,000 $1.18 16d 1 0.29mi
5261 Lost Creek Ln McAllen, TX 3.0 2.0 1824 $2,000 $1.10 16d 1 0.32mi
14219 Chalk Ridge Dr McAllen, TX 3.0 2.5 1630 $2,800 $1.72 93d 1 0.33mi
5105 Escondido Pass McAllen, TX 5.0 2.0 1839 $2,280 $1.24 93d 1 0.34mi
14013 Boykin Creek Rd McAllen, TX 3.0 2.5 1725 $2,500 $1.45 16d 1 0.34mi
14208 Boykin Creek Rd McAllen, TX 4.0 2.5 1644 $2,100 $1.28 93d 1 0.36mi
13929 Westcave Falls Ln Edinburg, TX 3.0 2.0 1506 $2,300 $1.53 63d 1 0.40mi
5217 Lost Creek Ln McAllen, TX 4.0 2.5 2181 $2,700 $1.24 16d 1 0.41mi
14123 Boykin Creek Rd McAllen, TX 3.0 2.5 2189 $2,900 $1.32 93d 1 0.44mi
14333 Chalk Ridge Dr McAllen, TX 4.0 2.0 1611 $2,200 $1.37 93d 1 0.46mi
14333 Chalk Ridge Dr McAllen, TX 4.0 2.0 1611 $2,100 $1.30 15d 1 0.46mi
14337 Chalk Ridge Dr McAllen, TX 3.0 2.0 1696 $2,000 $1.18 16d 1 0.47mi
13721 Belle Ct Edinburg, TX 4.0 3.0 1698 $2,300 $1.35 15d 1 0.55mi
6336 Cascada Bend Rd McAllen, TX 3.0 2.5 1729 $2,050 $1.19 15d 1 0.56mi
6343 Cascada Bend Rd McAllen, TX 4.0 3.5 2287 $2,690 $1.18 93d 1 0.56mi
4708 Ensenada Ave McAllen, TX 3.0 4.0 2452 $2,800 $1.14 16d 1 0.68mi
4400 Caddo Ln McAllen, TX 4.0 2.5 2069 $3,000 $1.45 93d 1 0.87mi
13904 N 39th St Edinburg, TX 3.0 2.0 2020 $2,500 $1.24 93d 1 1.17mi
13921 N 36th St McAllen, TX 4.0 2.5 2084 $2,450 $1.18 93d 1 1.31mi
13813 N 36th St McAllen, TX 4.0 4.0 2536 $3,900 $1.54 16d 1 1.33mi

Property features AI

Finance

HOA & community
Mandatory POAOne-time association fee of $500Association managed by Rhodes property managementCommunity features include curbs, pool, and sidewalksPOA transfer fee applies

Exterior

Parking
Attached garage with 2 covered spaces (2 total parking spaces)
Security
Smoke detectors
Utilities
Paved road accessSewer: Assessment
Home design
Brick construction
Construction
Shingle roofSlab foundationBrick construction
Exterior features
Gutters and spoutingMature treesSprinkler systemSidewalksIrregular lot

Interior

Kitchen
MicrowaveElectric water heaterNo conveying appliances
Flooring
CarpetTile
Bathrooms
Two full bathroomsOne half bathroom
Heating & cooling
Central heatingCentral air conditioningHas heating and cooling
Interior features
Entrance foyerGranite countertopsCeiling fansSplit bedroomsMicrowaveNo window coverings
Laundry & utility
Laundry room with washer/dryer connections

Listing history 49 events

  1. 2026-08-08
    days on market $295,000 Active 19 DOM
  2. 2026-08-07
    days on market $295,000 Active 18 DOM
  3. 2026-08-06
    days on market $295,000 Active 17 DOM
  4. 2026-08-05
    days on market $295,000 Active 16 DOM
  5. 2026-08-04
    days on market $295,000 Active 15 DOM
  6. 2026-08-03
    days on market $295,000 Active 14 DOM
  7. 2026-07-31
    days on market $295,000 Active 11 DOM
  8. 2026-07-29
    days on market $295,000 Active 9 DOM
  9. 2026-07-27
    days on market $295,000 Active 7 DOM
  10. 2026-07-25
    days on market $295,000 Active 5 DOM
  11. 2026-07-24
    days on market $295,000 Active 4 DOM
  12. 2026-07-23
    days on market $295,000 Active 3 DOM
  13. 2026-07-22
    days on market $295,000 Active 2 DOM
  14. 2026-07-21
    pricedays on marketlisting id $295,000 Active 1 DOM
  15. 2026-06-27
    days on market $292,000 Active 365 DOM
  16. 2026-06-23
    days on market $292,000 Active 361 DOM
  17. 2026-06-21
    days on market $292,000 Active 360 DOM
  18. 2026-06-18
    days on market $292,000 Active 357 DOM
  19. 2026-06-17
    days on market $292,000 Active 356 DOM
  20. 2026-06-16
    days on market $292,000 Active 355 DOM
  21. 2026-06-15
    days on market $292,000 Active 354 DOM
  22. 2026-06-14
    days on market $292,000 Active 352 DOM
  23. 2026-06-13
    pricedays on market $292,000 Active 351 DOM
  24. 2026-06-10
    days on market $293,500 Active 349 DOM
  25. 2026-06-08
    days on market $293,500 Active 347 DOM
  26. 2026-06-07
    days on market $293,500 Active 346 DOM
  27. 2026-06-03
    days on market $293,500 Active 342 DOM
  28. 2026-06-02
    days on market $293,500 Active 341 DOM
  29. 2026-06-01
    days on market $293,500 Active 340 DOM
  30. 2026-05-31
    days on market $293,500 Active 339 DOM
  31. 2026-05-31
    days on market $293,500 Active 338 DOM
  32. 2026-01-21
    price $293,500 664-char remark
  33. 2026-01-14
    price $294,000 664-char remark
  34. 2025-12-23
    price $295,000 664-char remark
  35. 2025-12-04
    price $296,000 664-char remark
  36. 2025-10-30
    price $298,000 664-char remark
  37. 2025-10-09
    price $299,000 664-char remark
  38. 2025-10-02
    price $300,000 664-char remark
  39. 2025-09-24
    price $311,999 664-char remark
  40. 2025-08-28
    price $315,000 664-char remark
  41. 2025-07-22
    price $329,000 664-char remark
  42. 2025-06-26
    listed $335,000 Active 664-char remark
  43. 2025-06-16
    soldstatus
  44. 2024-09-23
    price $280,000
  45. 2024-08-21
    price $290,000
  46. 2024-07-24
    listed $300,000 Active
  47. 2024-01-06
    price $319,000
  48. 2023-09-23
    price $329,000
  49. 2023-08-30
    listed $348,000 Active

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

Tax reassessment forecast TX · Resets to sale price

Current annual tax
$6,546 · $545/mo
Projected year-2 tax
$6,546 · $545/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 3/10 Moderate 12% chance over 30 yrs
  • 🔥 Wildfire 6/10 Major
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥112°F today · 23 d/yr by 30 yrs out
  • 💨 Wind 8/10 Severe 99% 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
$29,153
− Mortgage interest
−$16,525
− Property taxes
−$6,546
− Insurance
−$1,475
− Repairs & maintenance
−$2,332
− Management
−$2,332
− Depreciation
−$8,582
Taxable loss
−$8,638
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,073
After-tax cash flow
$-1,481/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 80/100 None rehab

This move-in ready 4-bedroom, 2.5-bath home in the Tres Lagos community of McAllen, TX, offers a modern and well-maintained living space with no visible repairs or maintenance needed.

Value-add opportunities

  • Both Painting the exterior brick — Enhances curb appeal and can increase both resale and rental value
  • Both Landscaping improvements — Enhances curb appeal and can increase both resale and rental value
F Composite school gradezoned avg 31/100

Zoned Schools

Elementary Anne L Magee El F TX #2,525/4,322 Nat'l #26,716/41,679 Middle Elias Longoria Sr Middle F TX #1,236/1,662 Nat'l #10,204/14,009 High Robert R Vela H S F TX #888/1,632 Nat'l #8,937/17,239

Schools (NCES district)

District
Edinburg CISD
NCES district ID
4818180
Math proficiency
20% ▼ -34.00%
Reading proficiency
34% ▼ -11.00%
Median HH income
$36,985
Composite
22.42/100
National rank
#8114
State rank
#699 of 826 in TX
B Composite livability gradescore 76/100

Livability — McAllen

Score
76/100
State rank
#119
US rank
#3771

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
McAllen, TX
County
Hidalgo County · 955,232 people
City population
144,650
Metro
McAllen-Edinburg-Mission, TX
Population (ZIP)
63,094
Household income
$81,905
Rent vs Own
30.1% rent · 69.9% own
Severe rent burden
10% of renters

Population outlook (Hidalgo County) Hauer SSP2

Today (2025)
955,232 people
By 2030
1,009,774 · +5.7%
By 2040
1,120,332 · +17.3%
By 2050
1,225,036 · +28.2%
By 2075
1,439,189 · +50.7%
By 2100
1,533,429 · +60.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly Hispanic (82%)
Race & ethnicity
Hispanic / Latino 82% Two or more races 39% White 11% Asian 5%
Hispanic origin (detail)
Mexican 75%
Common ancestry
Lithuanian 1% Italian 1%
Foreign-born
24% · Canada, South Korea, Vietnam
Languages at home
34% English-only · Spanish 62% Other Asian/Pacific 1% Tagalog/Filipino 1%

Political lean MEDSL · Hidalgo

2024 margin
Toss-up / Even · D 48.1% · R 51.0%
2008→2024 swing
-41.6pp toward R · 2008: 38.7pp · 2024: -2.9pp
All cycles
2024: R+2.9 2020: D+17.1 2016: D+40.5 2012: D+41.8 2008: D+38.7

Not yet ingested

Civics

Price history

-15.2% since first listed
20 events — show timeline
  • 2026-07-20 Listed $295,000 MCALLENMLS
  • 2026-06-10 Price Changed $292,000 MCALLENMLS
  • 2026-01-21 Price Changed $293,500 MCALLENMLS
  • 2026-01-14 Price Changed $294,000 MCALLENMLS
  • 2025-12-23 Price Changed $295,000 MCALLENMLS
  • 2025-12-04 Price Changed $296,000 MCALLENMLS
  • 2025-10-30 Price Changed $298,000 MCALLENMLS
  • 2025-10-09 Price Changed $299,000 MCALLENMLS
  • 2025-10-02 Price Changed $300,000 MCALLENMLS
  • 2025-09-24 Price Changed $311,999 MCALLENMLS
  • 2025-08-28 Price Changed $315,000 MCALLENMLS
  • 2025-07-22 Price Changed $329,000 MCALLENMLS
  • 2025-06-26 Listed $335,000 MCALLENMLS
  • 2025-06-16 Sold (Public Records) Public Records
  • 2024-09-23 Price Changed $280,000 MCALLENMLS
  • 2024-08-21 Price Changed $290,000 MCALLENMLS
  • 2024-07-24 Listed $300,000 MCALLENMLS
  • 2024-01-06 Price Changed $319,000 MCALLENMLS
  • 2023-09-23 Price Changed $329,000 MCALLENMLS
  • 2023-08-30 Listed $348,000 MCALLENMLS

Property tax history

+2.6%/yr

Latest (2025): $6,546 · -8.5% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…