103 S Barker StThrallTX76578
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 103 S Barker St, Thrall, TX, 76578 in Thrall is listed at $197,701 and delivers $1,314/mo in rent and $286/mo in net monthly cash flow. The 11.68% yield and 1.48 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $54,621 over five years, and $1,821/yr in principal reduction supplements cash return. Total projected cumulative return: $67,644.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $286 | $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 | $1,314 |
| Total Monthly Debt Service | $1,364 |
| DSCR Ratio | 0.96x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2002
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76578, Thrall, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 891 (100%) |
| Owner Occupied HU | 657 (73.7%) |
| Renter Occupied HU | 167 (18.7%) |
| Vacant Housing Units | 67 ( 7.5%) |
| Median Home Value | $597,862 |
| Average Home Value | $630,339 |
Housing Distribution
Address Breakdown
Residential
686
Single Family
686
Multi-Family
0
Businesses
48
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 2002
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76578, Thrall, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 891 (100%) |
| Owner Occupied HU | 657 (73.7%) |
| Renter Occupied HU | 167 (18.7%) |
| Vacant Housing Units | 67 ( 7.5%) |
| Median Home Value | $597,862 |
| Average Home Value | $630,339 |
Housing Distribution
Address Breakdown
Residential
686
Single Family
686
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices