1121 Avenue MBay CityTX77414
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1121 Avenue M, Bay City, TX, 77414 in Bay City. Priced at $289,900, it generates $2,856/mo in gross rent and $752/mo in net monthly cash flow, a 11.82% yield that comfortably supports the 2.19 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,030. Five-year appreciation: $80,094. Equity from principal paydown: $2,670/yr. Total projected cumulative return: $159,684.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $752 | $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 | $2,856 |
| Total Monthly Debt Service | $1,988 |
| DSCR Ratio | 1.44x |
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 2025
7,688 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77414, Bay City, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,030 (100%) |
| Owner Occupied HU | 6,164 (47.3%) |
| Renter Occupied HU | 3,432 (26.3%) |
| Vacant Housing Units | 3,434 (26.4%) |
| Median Home Value | $189,855 |
| Average Home Value | $219,981 |
Housing Distribution
Address Breakdown
Residential
9,859
Single Family
8,140
Multi-Family
1,719
Businesses
776
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 2025
7,688 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77414, Bay City, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,030 (100%) |
| Owner Occupied HU | 6,164 (47.3%) |
| Renter Occupied HU | 3,432 (26.3%) |
| Vacant Housing Units | 3,434 (26.4%) |
| Median Home Value | $189,855 |
| Average Home Value | $219,981 |
Housing Distribution
Address Breakdown
Residential
9,859
Single Family
8,140
Multi-Family
1,719
Businesses
776
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jared Turner • Century Communities
Mls Name: HAR
Mls Provider:
Mls ID: #56271444
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