1705 County Road 122HicoTX76457
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1705 County Road 122, Hico, TX, 76457 in Hico is priced for appreciation, not yield. Rental yield 2.21%. At $1,100,000 with a 2.21% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $303,910 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.41) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $48,287.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.2% | 6.2% |
| Monthly Cash Flow | $(5,800) | $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 | $2,022 |
| Total Monthly Debt Service | $7,385 |
| DSCR Ratio | 0.27x |
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 1998
50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76457, Hico, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,189 (100%) |
| Owner Occupied HU | 1,299 (59.3%) |
| Renter Occupied HU | 406 (18.5%) |
| Vacant Housing Units | 484 (22.1%) |
| Median Home Value | $260,659 |
| Average Home Value | $374,378 |
Housing Distribution
Address Breakdown
Residential
1,597
Single Family
1,597
Multi-Family
0
Businesses
162
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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 1998
50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76457, Hico, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,189 (100%) |
| Owner Occupied HU | 1,299 (59.3%) |
| Renter Occupied HU | 406 (18.5%) |
| Vacant Housing Units | 484 (22.1%) |
| Median Home Value | $260,659 |
| Average Home Value | $374,378 |
Housing Distribution
Address Breakdown
Residential
1,597
Single Family
1,597
Multi-Family
0
Businesses
162
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices