14822 Surfbird LnHoustonTX77049
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 14822 Surfbird Ln, Houston, TX, 77049 in Houston at $336,035 earns $2,610/mo in rent and nets $192/mo after the $1,511/mo payment, a 9.32% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $92,840 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $3,095/yr in principal paydown, total projected return reaches $141,257.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $192 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,610 |
| Total Monthly Debt Service | $2,285 |
| DSCR Ratio | 1.14x |
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 2024
N/A lot
$N/A/sqft
$345 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77049, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,210 (100%) |
| Owner Occupied HU | 8,143 (61.6%) |
| Renter Occupied HU | 4,292 (32.5%) |
| Vacant Housing Units | 775 ( 5.9%) |
| Median Home Value | $241,202 |
| Average Home Value | $295,661 |
Housing Distribution
Address Breakdown
Residential
13,446
Single Family
9,892
Multi-Family
3,554
Businesses
597
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 2024
N/A lot
$N/A/sqft
$345 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77049, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,210 (100%) |
| Owner Occupied HU | 8,143 (61.6%) |
| Renter Occupied HU | 4,292 (32.5%) |
| Vacant Housing Units | 775 ( 5.9%) |
| Median Home Value | $241,202 |
| Average Home Value | $295,661 |
Housing Distribution
Address Breakdown
Residential
13,446
Single Family
9,892
Multi-Family
3,554
Businesses
597
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices