139 County Road 376LottTX76656
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 139 County Road 376, Lott, TX, 76656 in Lott at $699,900, 2.69% gross yield, is a market-growth asset. Rental yield 2.69%. The $1,567/mo rent partially funds the $3,147/mo debt service; the core return is the 5%/yr price growth projected to add $193,369 over five years. Ziffy Mortgage's DSCR mortgage (0.50) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $48,785.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.2% |
| Monthly Cash Flow | $(3,410) | $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 | $1,567 |
| Total Monthly Debt Service | $4,699 |
| 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.
Single Family
Built in 2019
16.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76656, Lott, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 771 (67.2%) |
| Renter Occupied HU | 177 (15.4%) |
| Vacant Housing Units | 199 (17.3%) |
| Median Home Value | $188,056 |
| Average Home Value | $246,722 |
Housing Distribution
Address Breakdown
Residential
915
Single Family
915
Multi-Family
0
Businesses
71
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 2019
16.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76656, Lott, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 771 (67.2%) |
| Renter Occupied HU | 177 (15.4%) |
| Vacant Housing Units | 199 (17.3%) |
| Median Home Value | $188,056 |
| Average Home Value | $246,722 |
Housing Distribution
Address Breakdown
Residential
915
Single Family
915
Multi-Family
0
Businesses
71
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pam Hanson • Coldwell Banker Apex, REALTORS
Mls Name: NTREIS
Mls ID: #20970980
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.