1052 Private Road 4405KempnerTX76539
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 0.57% gross rental yield, 1052 Private Road 4405, Kempner, TX, 76539 in Kempner is priced for capital growth, not immediate cash flow. The $1,999,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $552,536 by year five, with $18,419/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.11) qualifies for non-U.S. residents without personal income documents.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.6% | 6.2% |
| Monthly Cash Flow | $(13,268) | $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 | $954 |
| Total Monthly Debt Service | $13,426 |
| DSCR Ratio | 0.07x |
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 1960
106.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76539, Kempner, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,955 (100%) |
| Owner Occupied HU | 3,092 (78.2%) |
| Renter Occupied HU | 551 (13.9%) |
| Vacant Housing Units | 312 ( 7.9%) |
| Median Home Value | $288,520 |
| Average Home Value | $361,348 |
Housing Distribution
Address Breakdown
Residential
3,680
Single Family
3,680
Multi-Family
0
Businesses
84
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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 1960
106.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76539, Kempner, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,955 (100%) |
| Owner Occupied HU | 3,092 (78.2%) |
| Renter Occupied HU | 551 (13.9%) |
| Vacant Housing Units | 312 ( 7.9%) |
| Median Home Value | $288,520 |
| Average Home Value | $361,348 |
Housing Distribution
Address Breakdown
Residential
3,680
Single Family
3,680
Multi-Family
0
Businesses
84
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices