129 Live Oak Cir #18BrackettvilleTX78832
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 129 Live Oak Cir #18, Brackettville, TX, 78832 in Brackettville fits: $265,000, 3.12% gross yield, and a projected 5% annual appreciation rate adding $73,215 in value within five years. Rental yield 3.12%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.58) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,441/yr in principal paydown and $73,215 in appreciation project a total return of $24,619.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.2% |
| Monthly Cash Flow | $(1,359) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $689 |
| Total Monthly Debt Service | $1,779 |
| DSCR Ratio | 0.39x |
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 N/A
6,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78832, Brackettville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,511 (100%) |
| Owner Occupied HU | 931 (61.6%) |
| Renter Occupied HU | 206 (13.6%) |
| Vacant Housing Units | 374 (24.8%) |
| Median Home Value | $122,214 |
| Average Home Value | $131,246 |
Housing Distribution
Address Breakdown
Residential
12
Single Family
12
Multi-Family
0
Businesses
107
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 N/A
6,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78832, Brackettville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,511 (100%) |
| Owner Occupied HU | 931 (61.6%) |
| Renter Occupied HU | 206 (13.6%) |
| Vacant Housing Units | 374 (24.8%) |
| Median Home Value | $122,214 |
| Average Home Value | $131,246 |
Housing Distribution
Address Breakdown
Residential
12
Single Family
12
Multi-Family
0
Businesses
107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11741380