1401 Valle Ecuador Rd

San Elizario, TX 79849

$69,999B

3 bd · 2.0 ba · 1,646 sqft · Built 2022 · SingleFamily · Pending · 5 DOM

Cashflow @ list (25.0% down · 7.5%)

• Estimated rent: $1,535/mo
• Mortgage (P&I): −$367
• Tax + insurance: −$243
• HOA: −$0
• Vac / Maint / Mgmt: −$322
• Net cashflow: $602/mo
• Annual: $7,230/yr
• Cap rate: 16.62%
• Cash-on-cash: 36.89%
• DSCR: 2.64
• 1% rule: 2.19%
• Cash to close: $19,600

Investor read

• This is a 3-bed/2.0-bath single-family listed at $70k. Condition is rated poor.
• At list price, monthly cash flow is $602 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $70k).
• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• In year one you build about $4k of equity ($484 loan paydown + $4k appreciation (5.2% local appreciation)).
• Location reads 56/100 on livability (#1,322 in TX) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• San Elizario ISD (suburban): math 16% / reading 25% proficiency, ranked #783 of 826 in TX (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Alfonso Borrego Sr El (math 18% / reading 26%, grade F, #3,333 of 4,322 statewide, top 80%, 472 students, 91% FRL); Ann M Garcia-Enriquez Middle (math 18% / reading 28%, grade F, #1,327 of 1,662 statewide, top 81%, 496 students, 92% FRL); San Elizario H S (math 21% / reading 29%, grade F, #1,250 of 1,632 statewide, top 77%, 1,029 students, 91% FRL) — zoned schools average 91% FRL vs 49% district-wide (43 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Watch-outs: property tax is 3.7% of price.
• Market conditions: 31 active listings in the ZIP; 2,196 units permitted in El Paso County in 2024 (143 in 5+ unit buildings).
• El Paso County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (5.2% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
• Climate carrying-cost: extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Questions for listing agent

• Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
• Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
• Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
• Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
• 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?
• 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.
• 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.
• 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.

Repairs flagged (vision-AI assessment)

• Major: Exterior walls — Exterior walls are partially framed and siding is not installed.
• Major: Roof — Roof is not yet covered.
• Major: Flooring — Flooring is not installed.
• Major: Interior walls — Interior walls are framed and drywall is not yet installed or painted.
• Major: HVAC/mechanicals — No HVAC or mechanical systems are installed.
• Major: Landscaping — Minimal landscaping and curb appeal due to incomplete construction and lack of landscaping features.