14100 Highway 36GustineTX76455
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 14100 Highway 36, Gustine, TX, 76455 in Gustine. At $395,000 it earns $3,290/mo in rent and distributes $481/mo to the owner after the $1,776/mo payment, a consistent 10% yield. DSCR 1.85 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $109,131 in value; $3,638/yr in principal paydown compounds ownership stake. Total projected return: $182,352.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $481 | $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 | $3,290 |
| Total Monthly Debt Service | $2,652 |
| DSCR Ratio | 1.24x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1980
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76455, Gustine, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 561 (100%) |
| Owner Occupied HU | 349 (62.2%) |
| Renter Occupied HU | 94 (16.8%) |
| Vacant Housing Units | 118 (21.0%) |
| Median Home Value | $406,410 |
| Average Home Value | $483,302 |
Housing Distribution
Address Breakdown
Residential
354
Single Family
354
Multi-Family
0
Businesses
36
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 1980
6 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76455, Gustine, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 561 (100%) |
| Owner Occupied HU | 349 (62.2%) |
| Renter Occupied HU | 94 (16.8%) |
| Vacant Housing Units | 118 (21.0%) |
| Median Home Value | $406,410 |
| Average Home Value | $483,302 |
Housing Distribution
Address Breakdown
Residential
354
Single Family
354
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices