13150 Schoenemann RdCarmineTX78932
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 13150 Schoenemann Rd, Carmine, TX, 78932 in Carmine. Rental yield 7.03%. The 1.30 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $145,048 and $4,835/yr in principal reduction project total return of $158,896.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $(657) | $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 | $3,076 |
| Total Monthly Debt Service | $3,524 |
| DSCR Ratio | 0.87x |
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 1990
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78932, Carmine, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 596 (100%) |
| Owner Occupied HU | 331 (55.5%) |
| Renter Occupied HU | 63 (10.6%) |
| Vacant Housing Units | 202 (33.9%) |
| Median Home Value | $343,182 |
| Average Home Value | $506,352 |
Housing Distribution
Address Breakdown
Residential
380
Single Family
380
Multi-Family
0
Businesses
42
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 1990
8 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78932, Carmine, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 596 (100%) |
| Owner Occupied HU | 331 (55.5%) |
| Renter Occupied HU | 63 (10.6%) |
| Vacant Housing Units | 202 (33.9%) |
| Median Home Value | $343,182 |
| Average Home Value | $506,352 |
Housing Distribution
Address Breakdown
Residential
380
Single Family
380
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan Kiel • Market Realty Inc.
Mls Name: HAR
Mls Provider:
Mls ID: #42530157
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