1223 Main AveRallsTX79357
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 1223 Main Ave, Ralls, TX, 79357 in Ralls is the 1.50 coverage ratio: rent of $1,080/mo versus a $719/mo debt payment on a $160,000 property. Rental yield 8.1%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $44,205 by year five, with $1,474/yr in equity from paydown. Total projected cumulative return: $57,652.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(58) | $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 | $1,080 |
| Total Monthly Debt Service | $1,074 |
| DSCR Ratio | 1.01x |
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
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79357, Ralls, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 903 (100%) |
| Owner Occupied HU | 529 (58.6%) |
| Renter Occupied HU | 200 (22.1%) |
| Vacant Housing Units | 174 (19.3%) |
| Median Home Value | $83,125 |
| Average Home Value | $144,239 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
65
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
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79357, Ralls, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 903 (100%) |
| Owner Occupied HU | 529 (58.6%) |
| Renter Occupied HU | 200 (22.1%) |
| Vacant Housing Units | 174 (19.3%) |
| Median Home Value | $83,125 |
| Average Home Value | $144,239 |
Housing Distribution
Address Breakdown
Residential
421
Single Family
421
Multi-Family
0
Businesses
65
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Heather Womack • Coldwell Banker Trusted Adviso
Mls Name: LBMLS
Mls Provider:
Mls ID: #202501310
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.