12426 Cedar Breaks CtHumbleTX77346
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 12426 Cedar Breaks Ct, Humble, TX, 77346 in Humble at $429,000 earns $3,172/mo in rent and nets $29/mo after the $1,929/mo payment, a 8.87% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $118,525 over five years. Ziffy Mortgage underwrites this on a 1.64 DSCR without U.S. credit history. With $3,951/yr in principal paydown, total projected return reaches $172,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 5.2% |
| Monthly Cash Flow | $29 | $1,200 |
City averages based on Humble market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,172 |
| Total Monthly Debt Service | $2,880 |
| DSCR Ratio | 1.10x |
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 2004
8,698 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77346, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,062 (100%) |
| Owner Occupied HU | 21,333 (71.0%) |
| Renter Occupied HU | 6,907 (23.0%) |
| Vacant Housing Units | 1,822 ( 6.1%) |
| Median Home Value | $331,060 |
| Average Home Value | $359,548 |
Housing Distribution
Address Breakdown
Residential
28,895
Single Family
24,706
Multi-Family
4,189
Businesses
846
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 2004
8,698 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77346, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,062 (100%) |
| Owner Occupied HU | 21,333 (71.0%) |
| Renter Occupied HU | 6,907 (23.0%) |
| Vacant Housing Units | 1,822 ( 6.1%) |
| Median Home Value | $331,060 |
| Average Home Value | $359,548 |
Housing Distribution
Address Breakdown
Residential
28,895
Single Family
24,706
Multi-Family
4,189
Businesses
846
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices