10965 Fm 470TarpleyTX78883
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play10965 Fm 470, Tarpley, TX, 78883 in Tarpley is priced for appreciation, not yield. Rental yield 1.88%. At $874,900 with a 1.88% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $241,719 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.35) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $23,198.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.9% | 6.2% |
| Monthly Cash Flow | $(4,850) | $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 | $1,372 |
| Total Monthly Debt Service | $5,873 |
| DSCR Ratio | 0.23x |
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 2004
10.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78883, Tarpley, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 150 (100%) |
| Owner Occupied HU | 44 (29.3%) |
| Renter Occupied HU | 2 ( 1.3%) |
| Vacant Housing Units | 104 (69.3%) |
| Median Home Value | $450,000 |
| Average Home Value | $574,034 |
Housing Distribution
Address Breakdown
Residential
72
Single Family
72
Multi-Family
0
Businesses
8
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 2004
10.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78883, Tarpley, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 150 (100%) |
| Owner Occupied HU | 44 (29.3%) |
| Renter Occupied HU | 2 ( 1.3%) |
| Vacant Housing Units | 104 (69.3%) |
| Median Home Value | $450,000 |
| Average Home Value | $574,034 |
Housing Distribution
Address Breakdown
Residential
72
Single Family
72
Multi-Family
0
Businesses
8
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andrea McGilvray • Cowboy Capital Realty Inc
Mls Name: SABOR
Mls Provider:
Mls ID: #1850138
Disclaimer: IDX information is provided exclusively for 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.