115 W Clay StMontagueTX76251
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 115 W Clay St, Montague, TX, 76251 in Montague speaks for itself: 16.57% gross on a $180,000 price, generating $2,485/mo in rent and $1,205/mo in net income after the $809/mo debt service. DSCR 3.07, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,462 stacks alongside $49,731 in projected five-year appreciation and $1,658/yr in principal reduction. Projected total cumulative return: $146,539.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.6% | 6.2% |
| Monthly Cash Flow | $1,205 | $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 | $2,485 |
| Total Monthly Debt Service | $1,208 |
| DSCR Ratio | 2.06x |
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 1971
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76251, Montague, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 406 (100%) |
| Owner Occupied HU | 294 (72.4%) |
| Renter Occupied HU | 33 ( 8.1%) |
| Vacant Housing Units | 79 (19.5%) |
| Median Home Value | $347,368 |
| Average Home Value | $458,512 |
Housing Distribution
Address Breakdown
Residential
315
Single Family
315
Multi-Family
0
Businesses
57
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 1971
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76251, Montague, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 406 (100%) |
| Owner Occupied HU | 294 (72.4%) |
| Renter Occupied HU | 33 ( 8.1%) |
| Vacant Housing Units | 79 (19.5%) |
| Median Home Value | $347,368 |
| Average Home Value | $458,512 |
Housing Distribution
Address Breakdown
Residential
315
Single Family
315
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices