155 Cedar Hill DrBanderaTX78003
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 155 Cedar Hill Dr, Bandera, TX, 78003 in Bandera at $114,900 earns $995/mo in rent and nets $172/mo after the $517/mo payment, a 10.39% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,745 over five years. Ziffy Mortgage underwrites this on a 1.92 DSCR without U.S. credit history. With $1,058/yr in principal paydown, total projected return reaches $55,142.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $172 | $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 | $995 |
| Total Monthly Debt Service | $778 |
| DSCR Ratio | 1.28x |
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.
Manufactured
Built in 2013
7,492 sqft lot
$N/A/sqft
$75 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78003, Bandera, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,611 (100%) |
| Owner Occupied HU | 3,748 (66.8%) |
| Renter Occupied HU | 736 (13.1%) |
| Vacant Housing Units | 1,127 (20.1%) |
| Median Home Value | $274,510 |
| Average Home Value | $383,783 |
Housing Distribution
Address Breakdown
Residential
3,940
Single Family
3,864
Multi-Family
76
Businesses
460
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
Manufactured
Built in 2013
7,492 sqft lot
$N/A/sqft
$75 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78003, Bandera, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,611 (100%) |
| Owner Occupied HU | 3,748 (66.8%) |
| Renter Occupied HU | 736 (13.1%) |
| Vacant Housing Units | 1,127 (20.1%) |
| Median Home Value | $274,510 |
| Average Home Value | $383,783 |
Housing Distribution
Address Breakdown
Residential
3,940
Single Family
3,864
Multi-Family
76
Businesses
460
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ryan Richmond • Option One Real Estate
Mls Name: SABOR
Mls Provider:
Mls ID: #1743392
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.