1305 Virginia AveVictoriaTX77901
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1305 Virginia Ave, Victoria, TX, 77901 in Victoria speaks for itself: 15.29% gross on a $148,900 price, generating $1,897/mo in rent and $838/mo in net income after the $670/mo debt service. DSCR 2.83, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,060 stacks alongside $41,138 in projected five-year appreciation and $1,371/yr in principal reduction. Projected total cumulative return: $110,959.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.3% | 6.2% |
| Monthly Cash Flow | $838 | $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 | $1,897 |
| Total Monthly Debt Service | $1,000 |
| DSCR Ratio | 1.90x |
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 1952
8,450 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77901, Victoria, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,954 (100%) |
| Owner Occupied HU | 8,410 (46.8%) |
| Renter Occupied HU | 7,184 (40.0%) |
| Vacant Housing Units | 2,360 (13.1%) |
| Median Home Value | $160,476 |
| Average Home Value | $201,718 |
Housing Distribution
Address Breakdown
Residential
16,377
Single Family
13,680
Multi-Family
2,697
Businesses
1,941
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 1952
8,450 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77901, Victoria, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,954 (100%) |
| Owner Occupied HU | 8,410 (46.8%) |
| Renter Occupied HU | 7,184 (40.0%) |
| Vacant Housing Units | 2,360 (13.1%) |
| Median Home Value | $160,476 |
| Average Home Value | $201,718 |
Housing Distribution
Address Breakdown
Residential
16,377
Single Family
13,680
Multi-Family
2,697
Businesses
1,941
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices