149 Hondo DriveLa VerniaTX78121
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 149 Hondo Drive, La Vernia, TX, 78121 in La Vernia at $744,900. Rental yield 6.2%. The 6.2% yield and 1.15 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $205,802 by year five, and $6,861/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $190,738.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.2% |
| Monthly Cash Flow | $(1,473) | $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 | $3,851 |
| Total Monthly Debt Service | $5,028 |
| DSCR Ratio | 0.77x |
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 2024
1.05 Acres lot
$N/A/sqft
$325 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78121, La Vernia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,910 (100%) |
| Owner Occupied HU | 4,904 (83.0%) |
| Renter Occupied HU | 669 (11.3%) |
| Vacant Housing Units | 337 ( 5.7%) |
| Median Home Value | $401,963 |
| Average Home Value | $415,649 |
Housing Distribution
Address Breakdown
Residential
5,818
Single Family
5,818
Multi-Family
0
Businesses
442
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
1.05 Acres lot
$N/A/sqft
$325 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78121, La Vernia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,910 (100%) |
| Owner Occupied HU | 4,904 (83.0%) |
| Renter Occupied HU | 669 (11.3%) |
| Vacant Housing Units | 337 ( 5.7%) |
| Median Home Value | $401,963 |
| Average Home Value | $415,649 |
Housing Distribution
Address Breakdown
Residential
5,818
Single Family
5,818
Multi-Family
0
Businesses
442
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices