138 County Road 191GaryTX75643
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 138 County Road 191, Gary, TX, 75643 in Gary worth study. Rental yield 2.64%. The 2.64% gross yield is below cash-flow benchmarks at $360,000, but 5% annual appreciation, adding $99,461 over five years, frames this as a capital growth position. Rent of $791/mo partially offsets the $1,619/mo payment. Ziffy Mortgage finances appreciation-play properties (0.49 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $24,099.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.2% |
| Monthly Cash Flow | $(1,769) | $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 | $791 |
| Total Monthly Debt Service | $2,417 |
| DSCR Ratio | 0.33x |
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.
Manufactured
Built in 2021
8,472 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75643, Gary, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,097 (100%) |
| Owner Occupied HU | 718 (65.5%) |
| Renter Occupied HU | 108 ( 9.8%) |
| Vacant Housing Units | 271 (24.7%) |
| Median Home Value | $205,093 |
| Average Home Value | $242,169 |
Housing Distribution
Address Breakdown
Residential
934
Single Family
934
Multi-Family
0
Businesses
28
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
Manufactured
Built in 2021
8,472 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75643, Gary, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,097 (100%) |
| Owner Occupied HU | 718 (65.5%) |
| Renter Occupied HU | 108 ( 9.8%) |
| Vacant Housing Units | 271 (24.7%) |
| Median Home Value | $205,093 |
| Average Home Value | $242,169 |
Housing Distribution
Address Breakdown
Residential
934
Single Family
934
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Belinda Hyland • Legacy Real Estate Group
Mls Name: GTARMLS
Mls Provider:
Mls ID: #24014689
Disclaimer: IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed to be reliable but not guaranteed.