13503 Rural Oak StHoustonTX77034
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 13503 Rural Oak St, Houston, TX, 77034 in Houston achieves a 1.53 ratio at $230,000: $1,577/mo rent versus $1,034/mo debt service. Rental yield 8.23%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.23% yield compounds alongside 5% annual appreciation projecting $63,545 in value. Total projected cumulative return: $84,418.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $(59) | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,577 |
| Total Monthly Debt Service | $1,544 |
| DSCR Ratio | 1.02x |
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 2007
5,501 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77034, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,197 (100%) |
| Owner Occupied HU | 6,048 (45.8%) |
| Renter Occupied HU | 5,720 (43.3%) |
| Vacant Housing Units | 1,429 (10.8%) |
| Median Home Value | $217,337 |
| Average Home Value | $231,408 |
Housing Distribution
Address Breakdown
Residential
13,621
Single Family
7,438
Multi-Family
6,183
Businesses
1,234
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 2007
5,501 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77034, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,197 (100%) |
| Owner Occupied HU | 6,048 (45.8%) |
| Renter Occupied HU | 5,720 (43.3%) |
| Vacant Housing Units | 1,429 (10.8%) |
| Median Home Value | $217,337 |
| Average Home Value | $231,408 |
Housing Distribution
Address Breakdown
Residential
13,621
Single Family
7,438
Multi-Family
6,183
Businesses
1,234
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices