12497 Ranch Rd #386FredoniaTX76842
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 12497 Ranch Rd #386, Fredonia, TX, 76842 in Fredonia. At $195,000 it earns $1,590/mo in rent and distributes $203/mo to the owner after the $877/mo payment, a consistent 9.78% yield. DSCR 1.81 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $53,875 in value; $1,796/yr in principal paydown compounds ownership stake. Total projected return: $87,817.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $203 | $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 | $1,590 |
| Total Monthly Debt Service | $1,309 |
| DSCR Ratio | 1.21x |
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 1940
5.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76842, Fredonia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 41 (100%) |
| Owner Occupied HU | 30 (73.2%) |
| Renter Occupied HU | 4 ( 9.8%) |
| Vacant Housing Units | 7 (17.1%) |
| Median Home Value | $420,000 |
| Average Home Value | $589,583 |
Housing Distribution
Address Breakdown
Residential
79
Single Family
79
Multi-Family
0
Businesses
0
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 1940
5.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76842, Fredonia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 41 (100%) |
| Owner Occupied HU | 30 (73.2%) |
| Renter Occupied HU | 4 ( 9.8%) |
| Vacant Housing Units | 7 (17.1%) |
| Median Home Value | $420,000 |
| Average Home Value | $589,583 |
Housing Distribution
Address Breakdown
Residential
79
Single Family
79
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices