108 Madison AveCluteTX77531
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 108 Madison Ave, Clute, TX, 77531 in Clute is narrow, $139/mo net on $2,556/mo rent after the $1,528/mo debt service, but the property operates at break-even-plus, not a loss. At $339,900 with a 9.02% yield, the long-run equity case via 5% appreciation ($93,908 over five years) and $3,131/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $139,226.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $139 | $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 | $2,556 |
| Total Monthly Debt Service | $2,282 |
| DSCR Ratio | 1.12x |
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 2001
8,398 sqft 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 2001
8,398 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Helen Jones • American Realty
Mls Name: HAR
Mls Provider:
Mls ID: #47135766
Disclaimer: Copyright 2025, Houston REALTORS Information Service, Inc. The information provided is exclusively for consumers personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.