104 W Copa Palm LoopMontgomeryTX77316
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 104 W Copa Palm Loop, Montgomery, TX, 77316 in Montgomery at $1,785,000, 3.57% gross yield, is a market-growth asset. Rental yield 3.57%. The $5,311/mo rent partially funds the $8,026/mo debt service; the core return is the 5%/yr price growth projected to add $493,163 over five years. Ziffy Mortgage's DSCR mortgage (0.66) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $202,015.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.2% |
| Monthly Cash Flow | $(7,498) | $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 | $5,311 |
| Total Monthly Debt Service | $12,099 |
| DSCR Ratio | 0.44x |
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 2025
0.36 Acres lot
$N/A/sqft
$1,392 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77316, Montgomery, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,356 (100%) |
| Owner Occupied HU | 13,173 (80.5%) |
| Renter Occupied HU | 1,831 (11.2%) |
| Vacant Housing Units | 1,352 ( 8.3%) |
| Median Home Value | $452,118 |
| Average Home Value | $493,656 |
Housing Distribution
Address Breakdown
Residential
15,368
Single Family
14,899
Multi-Family
469
Businesses
331
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 2025
0.36 Acres lot
$N/A/sqft
$1,392 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77316, Montgomery, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,356 (100%) |
| Owner Occupied HU | 13,173 (80.5%) |
| Renter Occupied HU | 1,831 (11.2%) |
| Vacant Housing Units | 1,352 ( 8.3%) |
| Median Home Value | $452,118 |
| Average Home Value | $493,656 |
Housing Distribution
Address Breakdown
Residential
15,368
Single Family
14,899
Multi-Family
469
Businesses
331
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diane Kink • Keller Williams Realty The Woodlands
Mls Name: HAR
Mls Provider:
Mls ID: #31489385
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