129 DAVIS MOUTAIN DRIVELockhartTX78644
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.81% yield at 129 DAVIS MOUTAIN DRIVE, Lockhart, TX, 78644 in Lockhart is solid, but the $1,562/mo payment compresses net cash flow to $32/mo at $347,365. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $95,971 by year five, and $3,199/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.63) without U.S. income documentation. Total projected return: $135,414.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $32 | $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 | $2,550 |
| Total Monthly Debt Service | $2,380 |
| DSCR Ratio | 1.07x |
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 2024
0.30 Acres lot
$N/A/sqft
$48 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78644, Lockhart, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,724 (100%) |
| Owner Occupied HU | 5,615 (64.4%) |
| Renter Occupied HU | 2,384 (27.3%) |
| Vacant Housing Units | 725 ( 8.3%) |
| Median Home Value | $234,543 |
| Average Home Value | $282,891 |
Housing Distribution
Address Breakdown
Residential
8,067
Single Family
7,406
Multi-Family
661
Businesses
755
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 2024
0.30 Acres lot
$N/A/sqft
$48 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78644, Lockhart, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,724 (100%) |
| Owner Occupied HU | 5,615 (64.4%) |
| Renter Occupied HU | 2,384 (27.3%) |
| Vacant Housing Units | 725 ( 8.3%) |
| Median Home Value | $234,543 |
| Average Home Value | $282,891 |
Housing Distribution
Address Breakdown
Residential
8,067
Single Family
7,406
Multi-Family
661
Businesses
755
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices