1216 County Road 3540LoveladyTX75851
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder1216 County Road 3540, Lovelady, TX, 75851 in Lovelady is a stable, well-positioned rental at $443,800. Rental yield 7.52%. DSCR 1.41 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $122,614 in value and $4,087/yr in principal paydown builds equity, a total projected return of $148,060.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $(379) | $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 | $2,814 |
| Total Monthly Debt Service | $2,979 |
| DSCR Ratio | 0.94x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75851, Lovelady, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,281 (100%) |
| Owner Occupied HU | 694 (54.2%) |
| Renter Occupied HU | 214 (16.7%) |
| Vacant Housing Units | 373 (29.1%) |
| Median Home Value | $189,091 |
| Average Home Value | $262,399 |
Housing Distribution
Address Breakdown
Residential
923
Single Family
923
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75851, Lovelady, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,281 (100%) |
| Owner Occupied HU | 694 (54.2%) |
| Renter Occupied HU | 214 (16.7%) |
| Vacant Housing Units | 373 (29.1%) |
| Median Home Value | $189,091 |
| Average Home Value | $262,399 |
Housing Distribution
Address Breakdown
Residential
923
Single Family
923
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices