126 Buffalo Rd.Valley SpringTX76885
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.13% gross rental yield, 126 Buffalo Rd, Valley Spring, TX, 76885 in Valley Spring is priced for capital growth, not immediate cash flow. The $1,199,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $331,262 by year five, with $11,043/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.21) qualifies for non-U.S. residents without personal income documents.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.1% | 6.2% |
| Monthly Cash Flow | $(7,397) | $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 | $1,129 |
| Total Monthly Debt Service | $8,049 |
| DSCR Ratio | 0.14x |
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 1950
65.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76885, Valley Spring, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 90 (55.2%) |
| Renter Occupied HU | 7 ( 4.3%) |
| Vacant Housing Units | 66 (40.5%) |
| Median Home Value | $592,593 |
| Average Home Value | $773,889 |
Housing Distribution
Address Breakdown
Residential
34
Single Family
34
Multi-Family
0
Businesses
4
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 1950
65.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76885, Valley Spring, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 90 (55.2%) |
| Renter Occupied HU | 7 ( 4.3%) |
| Vacant Housing Units | 66 (40.5%) |
| Median Home Value | $592,593 |
| Average Home Value | $773,889 |
Housing Distribution
Address Breakdown
Residential
34
Single Family
34
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices