125 FinchMedinaTX78055
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 125 Finch, Medina, TX, 78055 in Medina fits: $154,000, 4.68% gross yield, and a projected 5% annual appreciation rate adding $42,547 in value within five years. Rental yield 4.68%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.87) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $1,418/yr in principal paydown and $42,547 in appreciation project a total return of $27,206.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(495) | $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 | $600 |
| Total Monthly Debt Service | $1,034 |
| DSCR Ratio | 0.58x |
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.
Manufactured
Built in 1998
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78055, Medina, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,148 (100%) |
| Owner Occupied HU | 636 (55.4%) |
| Renter Occupied HU | 133 (11.6%) |
| Vacant Housing Units | 379 (33.0%) |
| Median Home Value | $358,268 |
| Average Home Value | $492,563 |
Housing Distribution
Address Breakdown
Residential
530
Single Family
530
Multi-Family
0
Businesses
63
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
Manufactured
Built in 1998
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78055, Medina, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,148 (100%) |
| Owner Occupied HU | 636 (55.4%) |
| Renter Occupied HU | 133 (11.6%) |
| Vacant Housing Units | 379 (33.0%) |
| Median Home Value | $358,268 |
| Average Home Value | $492,563 |
Housing Distribution
Address Breakdown
Residential
530
Single Family
530
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices