12323 Sterling Oak DrHumbleTX77044
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt 1.52, 12323 Sterling Oak Dr, Humble, TX, 77044 in Humble sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 8.22%. The 8.22% yield is backed by 5% annual appreciation projecting $87,152 in value gain, plus $2,905/yr in principal reduction. Total projected cumulative return: $108,913.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.2% |
| Monthly Cash Flow | $(194) | $1,200 |
City averages based on Humble market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $2,229 |
| DSCR Ratio | 0.97x |
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 2024
5,850 sqft lot
$N/A/sqft
$1,330 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77044, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,104 (100%) |
| Owner Occupied HU | 14,332 (71.3%) |
| Renter Occupied HU | 4,865 (24.2%) |
| Vacant Housing Units | 907 ( 4.5%) |
| Median Home Value | $310,214 |
| Average Home Value | $341,856 |
Housing Distribution
Address Breakdown
Residential
19,641
Single Family
17,196
Multi-Family
2,445
Businesses
525
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 2024
5,850 sqft lot
$N/A/sqft
$1,330 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77044, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,104 (100%) |
| Owner Occupied HU | 14,332 (71.3%) |
| Renter Occupied HU | 4,865 (24.2%) |
| Vacant Housing Units | 907 ( 4.5%) |
| Median Home Value | $310,214 |
| Average Home Value | $341,856 |
Housing Distribution
Address Breakdown
Residential
19,641
Single Family
17,196
Multi-Family
2,445
Businesses
525
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices