1221 N Hamilton StGonzalesTX78629
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1221 N Hamilton St, Gonzales, TX, 78629 in Gonzales is narrow, $7/mo net on $2,396/mo rent after the $1,434/mo debt service, but the property operates at break-even-plus, not a loss. At $319,000 with a 8.56% yield, the long-run equity case via 5% appreciation ($88,134 over five years) and $2,938/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.67 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $130,467.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $7 | $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 | $2,396 |
| Total Monthly Debt Service | $2,142 |
| DSCR Ratio | 1.12x |
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 1960
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78629, Gonzales, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,640 (100%) |
| Owner Occupied HU | 3,214 (57.0%) |
| Renter Occupied HU | 1,535 (27.2%) |
| Vacant Housing Units | 891 (15.8%) |
| Median Home Value | $223,489 |
| Average Home Value | $269,038 |
Housing Distribution
Address Breakdown
Residential
4,799
Single Family
4,564
Multi-Family
235
Businesses
591
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 1960
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78629, Gonzales, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,640 (100%) |
| Owner Occupied HU | 3,214 (57.0%) |
| Renter Occupied HU | 1,535 (27.2%) |
| Vacant Housing Units | 891 (15.8%) |
| Median Home Value | $223,489 |
| Average Home Value | $269,038 |
Housing Distribution
Address Breakdown
Residential
4,799
Single Family
4,564
Multi-Family
235
Businesses
591
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Brecker • Pathway to Home Realty
Mls Name: HAR
Mls Provider:
Mls ID: #69006627
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