109 King Lyle RdScrogginsTX75480
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 109 King Lyle Rd, Scroggins, TX, 75480 in Scroggins is a conservative rental investment at $320,000. Rental yield 6.88%. A 1.28 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $88,410; $2,947/yr in principal paydown supplements. Total projected return: $89,012.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(529) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,836 |
| Total Monthly Debt Service | $2,237 |
| DSCR Ratio | 0.82x |
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 1996
0.50 Acres lot
$N/A/sqft
$267 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75480, Scroggins, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,052 (100%) |
| Owner Occupied HU | 621 (59.0%) |
| Renter Occupied HU | 101 ( 9.6%) |
| Vacant Housing Units | 330 (31.4%) |
| Median Home Value | $421,812 |
| Average Home Value | $459,332 |
Housing Distribution
Address Breakdown
Residential
1,061
Single Family
1,061
Multi-Family
0
Businesses
24
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 1996
0.50 Acres lot
$N/A/sqft
$267 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75480, Scroggins, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,052 (100%) |
| Owner Occupied HU | 621 (59.0%) |
| Renter Occupied HU | 101 ( 9.6%) |
| Vacant Housing Units | 330 (31.4%) |
| Median Home Value | $421,812 |
| Average Home Value | $459,332 |
Housing Distribution
Address Breakdown
Residential
1,061
Single Family
1,061
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: LeeAnn Sears • Sears Realty Group
Mls Name: GTARMLS
Mls Provider:
Mls ID: #26006758
Disclaimer: IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed to be reliable but not guaranteed.