110 Private Road 129WhitneyTX76692
INVESTMENT ANALYSIS
Investment Verdict
Solid Income110 Private Road 129, Whitney, TX, 76692 in Whitney earns a respectable 9.54% gross yield at $128,000, but after the $576/mo mortgage the net cash flow is $108/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.77) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $35,364 over five years, making equity the dominant return driver. Total projected return: $56,012.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $108 | $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 | $1,018 |
| Total Monthly Debt Service | $859 |
| DSCR Ratio | 1.18x |
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 N/A
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76692, Whitney, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,896 (100%) |
| Owner Occupied HU | 3,761 (63.8%) |
| Renter Occupied HU | 1,075 (18.2%) |
| Vacant Housing Units | 1,060 (18.0%) |
| Median Home Value | $208,810 |
| Average Home Value | $235,824 |
Housing Distribution
Address Breakdown
Residential
5,135
Single Family
5,079
Multi-Family
56
Businesses
377
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 N/A
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76692, Whitney, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,896 (100%) |
| Owner Occupied HU | 3,761 (63.8%) |
| Renter Occupied HU | 1,075 (18.2%) |
| Vacant Housing Units | 1,060 (18.0%) |
| Median Home Value | $208,810 |
| Average Home Value | $235,824 |
Housing Distribution
Address Breakdown
Residential
5,135
Single Family
5,079
Multi-Family
56
Businesses
377
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Megan Holt • Texas Premier Realty
Mls Name: NTREIS
Mls ID: #20880888
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.