13719 Windlass CirGalvestonTX77554
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 13719 Windlass Cir, Galveston, TX, 77554 in Galveston is capital appreciation. Rental yield 5.86%. The 5.86% gross yield at $1,465,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $404,752 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.09) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $345,588.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 8.0% |
| Monthly Cash Flow | $(3,360) | $200 |
City averages based on Galveston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,158 |
| Total Monthly Debt Service | $9,935 |
| DSCR Ratio | 0.72x |
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 2004
7,801 sqft lot
$N/A/sqft
$1,206 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77554, Galveston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,066 (100%) |
| Owner Occupied HU | 2,959 (26.7%) |
| Renter Occupied HU | 1,512 (13.7%) |
| Vacant Housing Units | 6,595 (59.6%) |
| Median Home Value | $500,114 |
| Average Home Value | $542,522 |
Housing Distribution
Address Breakdown
Residential
7,075
Single Family
5,318
Multi-Family
1,757
Businesses
295
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 2004
7,801 sqft lot
$N/A/sqft
$1,206 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77554, Galveston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,066 (100%) |
| Owner Occupied HU | 2,959 (26.7%) |
| Renter Occupied HU | 1,512 (13.7%) |
| Vacant Housing Units | 6,595 (59.6%) |
| Median Home Value | $500,114 |
| Average Home Value | $542,522 |
Housing Distribution
Address Breakdown
Residential
7,075
Single Family
5,318
Multi-Family
1,757
Businesses
295
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Marylouise Caravella • Caravella Coastal a division of The Real Estate Brokerage Co. LLC
Mls Name: HAR
Mls Provider:
Mls ID: #48033665
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