117 Railroad AveHoustonDE19954
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play117 Railroad Ave, Houston, DE, 19954 in Houston is priced for appreciation, not yield. Rental yield 5.48%. At $399,900 with a 5.48% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $110,485 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.02) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $119,713.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 8.5% |
| Monthly Cash Flow | $(486) | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,828 |
| Total Monthly Debt Service | $2,155 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2026
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19954, Houston, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 652 (100%) |
| Owner Occupied HU | 564 (86.5%) |
| Renter Occupied HU | 53 ( 8.1%) |
| Vacant Housing Units | 35 ( 5.4%) |
| Median Home Value | $408,015 |
| Average Home Value | $391,618 |
Housing Distribution
Address Breakdown
Residential
664
Single Family
664
Multi-Family
0
Businesses
26
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 2026
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 19954, Houston, DE area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 652 (100%) |
| Owner Occupied HU | 564 (86.5%) |
| Renter Occupied HU | 53 ( 8.1%) |
| Vacant Housing Units | 35 ( 5.4%) |
| Median Home Value | $408,015 |
| Average Home Value | $391,618 |
Housing Distribution
Address Breakdown
Residential
664
Single Family
664
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices