13935 Smith Rd TRAILER 101HumbleTX77396
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 13935 Smith Rd TRAILER 101, Humble, TX, 77396 in Humble is a conservative rental investment at $300,000. Rental yield 7.01%. A 1.30 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $82,884; $2,763/yr in principal paydown supplements. Total projected return: $90,400.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 5.2% |
| Monthly Cash Flow | $(381) | $1,200 |
City averages based on Humble market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,752 |
| Total Monthly Debt Service | $2,014 |
| DSCR Ratio | 0.87x |
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 1972
7,601 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77396, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,201 (100%) |
| Owner Occupied HU | 12,843 (60.6%) |
| Renter Occupied HU | 7,356 (34.7%) |
| Vacant Housing Units | 1,002 ( 4.7%) |
| Median Home Value | $281,369 |
| Average Home Value | $354,128 |
Housing Distribution
Address Breakdown
Residential
21,026
Single Family
15,154
Multi-Family
5,872
Businesses
962
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 1972
7,601 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77396, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,201 (100%) |
| Owner Occupied HU | 12,843 (60.6%) |
| Renter Occupied HU | 7,356 (34.7%) |
| Vacant Housing Units | 1,002 ( 4.7%) |
| Median Home Value | $281,369 |
| Average Home Value | $354,128 |
Housing Distribution
Address Breakdown
Residential
21,026
Single Family
15,154
Multi-Family
5,872
Businesses
962
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices