12325 Ridgeside DrHoustonTX77072
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderHigh DSCR is a competitive advantage at closing. 12325 Ridgeside Dr, Houston, TX, 77072 in Houston achieves 1.62, rent of $1,713/mo covers the $1,057/mo payment 1.5x over at $235,000. Rental yield 7.91%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $64,926 over five years, with $2,164/yr in principal reduction bringing total projected return to $88,460.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $(208) | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,713 |
| Total Monthly Debt Service | $1,650 |
| DSCR Ratio | 1.04x |
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 1982
2,273 sqft lot
$N/A/sqft
$72 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77072, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,888 (100%) |
| Owner Occupied HU | 7,922 (41.9%) |
| Renter Occupied HU | 9,506 (50.3%) |
| Vacant Housing Units | 1,460 ( 7.7%) |
| Median Home Value | $210,342 |
| Average Home Value | $263,543 |
Housing Distribution
Address Breakdown
Residential
18,891
Single Family
11,387
Multi-Family
7,504
Businesses
1,677
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 1982
2,273 sqft lot
$N/A/sqft
$72 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77072, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,888 (100%) |
| Owner Occupied HU | 7,922 (41.9%) |
| Renter Occupied HU | 9,506 (50.3%) |
| Vacant Housing Units | 1,460 ( 7.7%) |
| Median Home Value | $210,342 |
| Average Home Value | $263,543 |
Housing Distribution
Address Breakdown
Residential
18,891
Single Family
11,387
Multi-Family
7,504
Businesses
1,677
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tarsha Gary • Coldwell Banker Realty - Katy
Mls Name: HAR
Mls Provider:
Mls ID: #35508293
Disclaimer: Copyright 2025, Houston REALTORS Information Service, Inc. The information provided is exclusively for consumers 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.