1506 Oneal StCommerceTX75428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 1506 Oneal St, Commerce, TX, 75428 in Commerce at $152,000 earns $1,173/mo in rent and nets $83/mo after the $683/mo payment, a 9.26% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,995 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,400/yr in principal paydown, total projected return reaches $63,665.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $83 | $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 | $1,173 |
| Total Monthly Debt Service | $1,030 |
| 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 1976
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75428, Commerce, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,530 (100%) |
| Owner Occupied HU | 1,672 (36.9%) |
| Renter Occupied HU | 2,069 (45.7%) |
| Vacant Housing Units | 789 (17.4%) |
| Median Home Value | $213,864 |
| Average Home Value | $283,327 |
Housing Distribution
Address Breakdown
Residential
4,160
Single Family
3,443
Multi-Family
717
Businesses
278
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 1976
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75428, Commerce, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,530 (100%) |
| Owner Occupied HU | 1,672 (36.9%) |
| Renter Occupied HU | 2,069 (45.7%) |
| Vacant Housing Units | 789 (17.4%) |
| Median Home Value | $213,864 |
| Average Home Value | $283,327 |
Housing Distribution
Address Breakdown
Residential
4,160
Single Family
3,443
Multi-Family
717
Businesses
278
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ashley Hammons • AT Home Texas Real Estate
Mls Name: NTREIS
Mls ID: #20860514
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.