0 New Salem RdSantoTX76472
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 0 New Salem Rd, Santo, TX, 76472 in Santo worth study. Rental yield 2.86%. The 2.86% gross yield is below cash-flow benchmarks at $1,617,900, but 5% annual appreciation, adding $446,996 over five years, frames this as a capital growth position. Rent of $3,857/mo partially offsets the $7,275/mo payment. Ziffy Mortgage finances appreciation-play properties (0.53 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $127,812.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(7,648) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,857 |
| Total Monthly Debt Service | $10,861 |
| DSCR Ratio | 0.36x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76472, Santo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 565 (74.7%) |
| Renter Occupied HU | 77 (10.2%) |
| Vacant Housing Units | 114 (15.1%) |
| Median Home Value | $381,579 |
| Average Home Value | $483,721 |
Housing Distribution
Address Breakdown
Residential
505
Single Family
505
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76472, Santo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 565 (74.7%) |
| Renter Occupied HU | 77 (10.2%) |
| Vacant Housing Units | 114 (15.1%) |
| Median Home Value | $381,579 |
| Average Home Value | $483,721 |
Housing Distribution
Address Breakdown
Residential
505
Single Family
505
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices