133 County Road 296SargentTX77414
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 133 County Road 296, Sargent, TX, 77414 in Sargent fits: $489,000, 4.51% gross yield, and a projected 5% annual appreciation rate adding $135,102 in value within five years. Rental yield 4.51%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.84) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,504/yr in principal paydown and $135,102 in appreciation project a total return of $82,047.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.2% |
| Monthly Cash Flow | $(1,646) | $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 | $1,840 |
| Total Monthly Debt Service | $3,283 |
| DSCR Ratio | 0.56x |
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 1975
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77414, Bay City, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,030 (100%) |
| Owner Occupied HU | 6,164 (47.3%) |
| Renter Occupied HU | 3,432 (26.3%) |
| Vacant Housing Units | 3,434 (26.4%) |
| Median Home Value | $189,855 |
| Average Home Value | $219,981 |
Housing Distribution
Address Breakdown
Residential
9,859
Single Family
8,140
Multi-Family
1,719
Businesses
776
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 1975
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77414, Bay City, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,030 (100%) |
| Owner Occupied HU | 6,164 (47.3%) |
| Renter Occupied HU | 3,432 (26.3%) |
| Vacant Housing Units | 3,434 (26.4%) |
| Median Home Value | $189,855 |
| Average Home Value | $219,981 |
Housing Distribution
Address Breakdown
Residential
9,859
Single Family
8,140
Multi-Family
1,719
Businesses
776
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices