103 Ringgold StWest ColumbiaTX77486
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 103 Ringgold St, West Columbia, TX, 77486 in West Columbia worth modelling. At $180,000 with a 9.08% gross yield, the $1,362/mo rent leaves $82/mo after the $809/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.68 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $49,731 by year five; $1,658/yr in principal reduction adds further equity. Total projected return: $74,275.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $82 | $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 | $1,362 |
| Total Monthly Debt Service | $1,208 |
| DSCR Ratio | 1.13x |
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 1976
8,315 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77486, West Columbia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,788 (100%) |
| Owner Occupied HU | 2,692 (71.1%) |
| Renter Occupied HU | 659 (17.4%) |
| Vacant Housing Units | 437 (11.5%) |
| Median Home Value | $302,842 |
| Average Home Value | $340,786 |
Housing Distribution
Address Breakdown
Residential
3,361
Single Family
1,921
Multi-Family
1,440
Businesses
265
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 1976
8,315 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77486, West Columbia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,788 (100%) |
| Owner Occupied HU | 2,692 (71.1%) |
| Renter Occupied HU | 659 (17.4%) |
| Vacant Housing Units | 437 (11.5%) |
| Median Home Value | $302,842 |
| Average Home Value | $340,786 |
Housing Distribution
Address Breakdown
Residential
3,361
Single Family
1,921
Multi-Family
1,440
Businesses
265
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lanita Koppe • Coldwell Banker Ultimate
Mls Name: HAR
Mls ID: #22084575