114 S Dugan StBellsTX75414
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.53 makes 114 S Dugan St, Bells, TX, 75414 in Bells one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.26%. The 8.26% yield, 5% annual appreciation ($74,320 over five years), and $2,478/yr in principal reduction project a total cumulative return of $99,145.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $(61) | $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 | $1,852 |
| Total Monthly Debt Service | $1,806 |
| DSCR Ratio | 1.03x |
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 1973
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75414, Bells, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,489 (100%) |
| Owner Occupied HU | 1,139 (76.5%) |
| Renter Occupied HU | 249 (16.7%) |
| Vacant Housing Units | 101 ( 6.8%) |
| Median Home Value | $303,639 |
| Average Home Value | $352,864 |
Housing Distribution
Address Breakdown
Residential
1,295
Single Family
1,295
Multi-Family
0
Businesses
64
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 1973
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75414, Bells, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,489 (100%) |
| Owner Occupied HU | 1,139 (76.5%) |
| Renter Occupied HU | 249 (16.7%) |
| Vacant Housing Units | 101 ( 6.8%) |
| Median Home Value | $303,639 |
| Average Home Value | $352,864 |
Housing Distribution
Address Breakdown
Residential
1,295
Single Family
1,295
Multi-Family
0
Businesses
64
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices