1316 E Camellia AveMcAllenTX78501
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 1316 E Camellia Ave, McAllen, TX, 78501 in McAllen. Rental yield 2.46%. At $560,000 with 2.46% gross yield, current distributions are modest, but the 5% appreciation rate projects $154,718 in new equity by year five, complemented by $5,158/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.46) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $32,161.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.2% |
| Monthly Cash Flow | $(2,914) | $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 | $1,147 |
| Total Monthly Debt Service | $3,759 |
| DSCR Ratio | 0.31x |
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.
Multi Family
Built in 2010
7,901 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78501, Mcallen, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,633 (100%) |
| Owner Occupied HU | 11,771 (44.2%) |
| Renter Occupied HU | 11,969 (44.9%) |
| Vacant Housing Units | 2,893 (10.9%) |
| Median Home Value | $182,269 |
| Average Home Value | $208,656 |
Housing Distribution
Address Breakdown
Residential
24,170
Single Family
19,817
Multi-Family
4,353
Businesses
4,074
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
Multi Family
Built in 2010
7,901 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78501, Mcallen, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,633 (100%) |
| Owner Occupied HU | 11,771 (44.2%) |
| Renter Occupied HU | 11,969 (44.9%) |
| Vacant Housing Units | 2,893 (10.9%) |
| Median Home Value | $182,269 |
| Average Home Value | $208,656 |
Housing Distribution
Address Breakdown
Residential
24,170
Single Family
19,817
Multi-Family
4,353
Businesses
4,074
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices