1463 County Road 324LincolnTX78948
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1463 County Road 324, Lincoln, TX, 78948 in Lincoln is priced for appreciation, not yield. Rental yield 4.4%. At $540,120 with a 4.4% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $149,225 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.82) 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: $87,205.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(1,861) | $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 | $1,980 |
| Total Monthly Debt Service | $3,626 |
| DSCR Ratio | 0.55x |
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 N/A
27.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78948, Lincoln, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 349 (64.2%) |
| Renter Occupied HU | 56 (10.3%) |
| Vacant Housing Units | 139 (25.6%) |
| Median Home Value | $369,000 |
| Average Home Value | $527,901 |
Housing Distribution
Address Breakdown
Residential
470
Single Family
470
Multi-Family
0
Businesses
21
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 N/A
27.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78948, Lincoln, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 544 (100%) |
| Owner Occupied HU | 349 (64.2%) |
| Renter Occupied HU | 56 (10.3%) |
| Vacant Housing Units | 139 (25.6%) |
| Median Home Value | $369,000 |
| Average Home Value | $527,901 |
Housing Distribution
Address Breakdown
Residential
470
Single Family
470
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices