103 N 4th StWildoradoTX79098
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 103 N 4th St, Wildorado, TX, 79098 in Wildorado at $185,100 earns $1,478/mo in rent and nets $162/mo after the $832/mo payment, a 9.58% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $51,140 over five years. Ziffy Mortgage underwrites this on a 1.78 DSCR without U.S. credit history. With $1,705/yr in principal paydown, total projected return reaches $81,374.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $162 | $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 | $1,478 |
| Total Monthly Debt Service | $1,243 |
| 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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79098, Wildorado, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 182 (100%) |
| Owner Occupied HU | 119 (65.4%) |
| Renter Occupied HU | 31 (17.0%) |
| Vacant Housing Units | 32 (17.6%) |
| Median Home Value | $189,844 |
| Average Home Value | $220,378 |
Housing Distribution
Address Breakdown
Residential
99
Single Family
99
Multi-Family
0
Businesses
29
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: 79098, Wildorado, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 182 (100%) |
| Owner Occupied HU | 119 (65.4%) |
| Renter Occupied HU | 31 (17.0%) |
| Vacant Housing Units | 32 (17.6%) |
| Median Home Value | $189,844 |
| Average Home Value | $220,378 |
Housing Distribution
Address Breakdown
Residential
99
Single Family
99
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices