118 S 13th StWest ColumbiaTX77486
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 118 S 13th St, West Columbia, TX, 77486 in West Columbia is straightforward: $285,000 in, $2,316/mo in rent, $289/mo out after debt service. The 9.75% gross yield and 1.81 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $78,740 by year five. With $2,625/yr in principal equity, the total cumulative return is projected at $127,847.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $289 | $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 | $2,316 |
| Total Monthly Debt Service | $1,913 |
| DSCR Ratio | 1.21x |
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 1940
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77486, West Columbia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,788 (100%) |
| Owner Occupied HU | 2,692 (71.1%) |
| Renter Occupied HU | 659 (17.4%) |
| Vacant Housing Units | 437 (11.5%) |
| Median Home Value | $302,842 |
| Average Home Value | $340,786 |
Housing Distribution
Address Breakdown
Residential
3,361
Single Family
1,921
Multi-Family
1,440
Businesses
265
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 1940
0.94 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77486, West Columbia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,788 (100%) |
| Owner Occupied HU | 2,692 (71.1%) |
| Renter Occupied HU | 659 (17.4%) |
| Vacant Housing Units | 437 (11.5%) |
| Median Home Value | $302,842 |
| Average Home Value | $340,786 |
Housing Distribution
Address Breakdown
Residential
3,361
Single Family
1,921
Multi-Family
1,440
Businesses
265
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cherry Leal • Cornerstone, Realtors
Mls Name: HAR
Mls Provider:
Mls ID: #29966616
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