0 S Oak StEctorTX75439
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow0 S Oak St, Ector, TX, 75439 in Ector is a solid income-producing rental, 10.43% gross yield, $1,651/mo rent, $300/mo net cash flow on a $190,000 buy. DSCR 1.93 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $52,494 and $1,750/yr in principal reduction project a total cumulative return of $92,139.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $300 | $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 | $1,651 |
| Total Monthly Debt Service | $1,276 |
| DSCR Ratio | 1.29x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Lot
Built in N/A
3.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75439, Ector, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 424 (100%) |
| Owner Occupied HU | 253 (59.7%) |
| Renter Occupied HU | 119 (28.1%) |
| Vacant Housing Units | 52 (12.3%) |
| Median Home Value | $175,735 |
| Average Home Value | $211,700 |
Housing Distribution
Address Breakdown
Residential
336
Single Family
336
Multi-Family
0
Businesses
17
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
Lot
Built in N/A
3.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75439, Ector, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 424 (100%) |
| Owner Occupied HU | 253 (59.7%) |
| Renter Occupied HU | 119 (28.1%) |
| Vacant Housing Units | 52 (12.3%) |
| Median Home Value | $175,735 |
| Average Home Value | $211,700 |
Housing Distribution
Address Breakdown
Residential
336
Single Family
336
Multi-Family
0
Businesses
17
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices