104 Calcite Rd Unit 5KyleTX78640
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 104 Calcite Rd Unit 5, Kyle, TX, 78640 in Kyle at $302,340 earns $2,298/mo in rent and nets $148/mo after the $1,360/mo payment, a 9.12% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $83,531 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $2,785/yr in principal paydown, total projected return reaches $125,357.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $148 | $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 | $2,298 |
| Total Monthly Debt Service | $2,030 |
| 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 2026
N/A lot
$N/A/sqft
No HOA
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
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
