000 County Road 640YanceyTX78886
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 000 County Road 640, Yancey, TX, 78886 in Yancey. At $325,000 it earns $2,592/mo in rent and distributes $281/mo to the owner after the $1,461/mo payment, a consistent 9.57% yield. DSCR 1.77 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $89,792 in value; $2,993/yr in principal paydown compounds ownership stake. Total projected return: $142,662.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $281 | $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 | $2,592 |
| Total Monthly Debt Service | $2,182 |
| DSCR Ratio | 1.19x |
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.
Single Family
Built in N/A
21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78886, Yancey, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 225 (100%) |
| Owner Occupied HU | 169 (75.1%) |
| Renter Occupied HU | 20 ( 8.9%) |
| Vacant Housing Units | 36 (16.0%) |
| Median Home Value | $263,889 |
| Average Home Value | $335,680 |
Housing Distribution
Address Breakdown
Residential
175
Single Family
175
Multi-Family
0
Businesses
15
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
Single Family
Built in N/A
21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78886, Yancey, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 225 (100%) |
| Owner Occupied HU | 169 (75.1%) |
| Renter Occupied HU | 20 ( 8.9%) |
| Vacant Housing Units | 36 (16.0%) |
| Median Home Value | $263,889 |
| Average Home Value | $335,680 |
Housing Distribution
Address Breakdown
Residential
175
Single Family
175
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices