1210 Monroe StCommerceTX75428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors approaching the U.S. market with capital-preservation in mind will find 1210 Monroe St, Commerce, TX, 75428 in Commerce aligned with their strategy. Rental yield 8.02%. DSCR 1.49 and 8.02% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $1,842/yr in paydown build toward a projected cumulative return of $71,183.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $(85) | $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 | $1,337 |
| Total Monthly Debt Service | $1,343 |
| DSCR Ratio | 1.00x |
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 1905
6,577 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75428, Commerce, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,530 (100%) |
| Owner Occupied HU | 1,672 (36.9%) |
| Renter Occupied HU | 2,069 (45.7%) |
| Vacant Housing Units | 789 (17.4%) |
| Median Home Value | $213,864 |
| Average Home Value | $283,327 |
Housing Distribution
Address Breakdown
Residential
4,160
Single Family
3,443
Multi-Family
717
Businesses
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 1905
6,577 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75428, Commerce, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,530 (100%) |
| Owner Occupied HU | 1,672 (36.9%) |
| Renter Occupied HU | 2,069 (45.7%) |
| Vacant Housing Units | 789 (17.4%) |
| Median Home Value | $213,864 |
| Average Home Value | $283,327 |
Housing Distribution
Address Breakdown
Residential
4,160
Single Family
3,443
Multi-Family
717
Businesses
278
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices