1135 N Penelope StBeltonTX76513
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 1135 N Penelope St, Belton, TX, 76513 in Belton is listed at $335,000 and delivers $2,770/mo in rent and $387/mo in net monthly cash flow. The 9.92% yield and 1.84 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $92,554 over five years, and $3,085/yr in principal reduction supplements cash return. Total projected cumulative return: $153,373.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $387 | $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 | $2,770 |
| Total Monthly Debt Service | $2,249 |
| DSCR Ratio | 1.23x |
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 1945
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76513, Belton, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,497 (100%) |
| Owner Occupied HU | 12,076 (65.3%) |
| Renter Occupied HU | 5,158 (27.9%) |
| Vacant Housing Units | 1,263 ( 6.8%) |
| Median Home Value | $336,211 |
| Average Home Value | $377,275 |
Housing Distribution
Address Breakdown
Residential
18,034
Single Family
15,946
Multi-Family
2,088
Businesses
1,278
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 1945
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76513, Belton, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,497 (100%) |
| Owner Occupied HU | 12,076 (65.3%) |
| Renter Occupied HU | 5,158 (27.9%) |
| Vacant Housing Units | 1,263 ( 6.8%) |
| Median Home Value | $336,211 |
| Average Home Value | $377,275 |
Housing Distribution
Address Breakdown
Residential
18,034
Single Family
15,946
Multi-Family
2,088
Businesses
1,278
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices