1408 W Dry StSan SabaTX76877
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1408 W Dry St, San Saba, TX, 76877 in San Saba is priced for appreciation, not yield. Rental yield 2.34%. At $225,000 with a 2.34% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $62,163 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.43) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $11,472.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 6.2% |
| Monthly Cash Flow | $(1,162) | $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 | $438 |
| Total Monthly Debt Service | $1,510 |
| DSCR Ratio | 0.29x |
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 1925
7,797 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76877, San Saba, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,041 (100%) |
| Owner Occupied HU | 1,166 (57.1%) |
| Renter Occupied HU | 421 (20.6%) |
| Vacant Housing Units | 454 (22.2%) |
| Median Home Value | $167,485 |
| Average Home Value | $351,910 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,691
Multi-Family
0
Businesses
305
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 1925
7,797 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76877, San Saba, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,041 (100%) |
| Owner Occupied HU | 1,166 (57.1%) |
| Renter Occupied HU | 421 (20.6%) |
| Vacant Housing Units | 454 (22.2%) |
| Median Home Value | $167,485 |
| Average Home Value | $351,910 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,691
Multi-Family
0
Businesses
305
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices