13 SweetwindHarperTX78631
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 13 Sweetwind, Harper, TX, 78631 in Harper speaks for itself: 10.75% gross on a $335,000 price, generating $3,000/mo in rent and $618/mo in net income after the $1,506/mo debt service. DSCR 1.99, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,413 stacks alongside $92,554 in projected five-year appreciation and $3,085/yr in principal reduction. Projected total cumulative return: $168,181.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $618 | $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 | $3,000 |
| Total Monthly Debt Service | $2,249 |
| DSCR Ratio | 1.33x |
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 N/A
12.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78631, Harper, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,332 (100%) |
| Owner Occupied HU | 903 (67.8%) |
| Renter Occupied HU | 172 (12.9%) |
| Vacant Housing Units | 257 (19.3%) |
| Median Home Value | $513,281 |
| Average Home Value | $716,938 |
Housing Distribution
Address Breakdown
Residential
1,145
Single Family
1,145
Multi-Family
0
Businesses
80
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
12.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78631, Harper, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,332 (100%) |
| Owner Occupied HU | 903 (67.8%) |
| Renter Occupied HU | 172 (12.9%) |
| Vacant Housing Units | 257 (19.3%) |
| Median Home Value | $513,281 |
| Average Home Value | $716,938 |
Housing Distribution
Address Breakdown
Residential
1,145
Single Family
1,145
Multi-Family
0
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices