166 County Road 34650SumnerTX75486
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Sumner rental at 166 County Road 34650, Sumner, TX, 75486 sits in the solid-income band: 11.05% gross yield, $1,372/mo rent, $312/mo net after the $670/mo debt service, DSCR 2.05. Entry price of $149,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $41,166 and $1,372/yr in principal reduction bring total cumulative return to $77,212.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.2% |
| Monthly Cash Flow | $312 | $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 | $1,372 |
| Total Monthly Debt Service | $1,000 |
| DSCR Ratio | 1.37x |
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 1992
1.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75486, Sumner, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,109 (100%) |
| Owner Occupied HU | 803 (72.4%) |
| Renter Occupied HU | 176 (15.9%) |
| Vacant Housing Units | 130 (11.7%) |
| Median Home Value | $244,388 |
| Average Home Value | $398,559 |
Housing Distribution
Address Breakdown
Residential
1,063
Single Family
1,063
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 3 Bed
- 2 Bath
- 1630 sft
- 3 Bed
- 2 Bath
- 1180 sft
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 1992
1.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75486, Sumner, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,109 (100%) |
| Owner Occupied HU | 803 (72.4%) |
| Renter Occupied HU | 176 (15.9%) |
| Vacant Housing Units | 130 (11.7%) |
| Median Home Value | $244,388 |
| Average Home Value | $398,559 |
Housing Distribution
Address Breakdown
Residential
1,063
Single Family
1,063
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 3 Bed
- 2 Bath
- 1630 sft
- 3 Bed
- 2 Bath
- 1180 sft
Listed by: Erin Kennedy • Century 21 Harvey Properties-P
Mls Name: NTREIS
Mls ID: #21013113
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.