10134 Pine River DriveSchertzTX78154
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 10134 Pine River Drive, Schertz, TX, 78154 in Schertz hard to pass up. The 11% gross yield on a $339,990 purchase results in $3,118/mo in rent and $650/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.04). Annual cash flow of $7,799, five-year appreciation of $93,933, and $3,131/yr in equity build-up combine for a projected total cumulative return of $172,364.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $650 | $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 | $3,118 |
| Total Monthly Debt Service | $2,332 |
| DSCR Ratio | 1.34x |
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 2026
5,227 sqft lot
$N/A/sqft
$600 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78154, Schertz, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,854 (100%) |
| Owner Occupied HU | 11,748 (69.7%) |
| Renter Occupied HU | 4,430 (26.3%) |
| Vacant Housing Units | 676 ( 4.0%) |
| Median Home Value | $337,195 |
| Average Home Value | $362,054 |
Housing Distribution
Address Breakdown
Residential
16,857
Single Family
14,951
Multi-Family
1,906
Businesses
1,410
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 2026
5,227 sqft lot
$N/A/sqft
$600 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78154, Schertz, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,854 (100%) |
| Owner Occupied HU | 11,748 (69.7%) |
| Renter Occupied HU | 4,430 (26.3%) |
| Vacant Housing Units | 676 ( 4.0%) |
| Median Home Value | $337,195 |
| Average Home Value | $362,054 |
Housing Distribution
Address Breakdown
Residential
16,857
Single Family
14,951
Multi-Family
1,906
Businesses
1,410
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cesar Amezcua • CA & Company, REALTORS
Mls Name: LERA MLS
Mls Provider:
Mls ID: #1952222
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.