172 Valentine StWindthorstTX76389
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 172 Valentine St, Windthorst, TX, 76389 in Windthorst at $235,000 earns $1,800/mo in rent and nets $129/mo after the $1,057/mo payment, a 9.19% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,926 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $2,164/yr in principal paydown, total projected return reaches $98,384.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $129 | $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 | $1,800 |
| Total Monthly Debt Service | $1,578 |
| 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 1937
3.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76389, Windthorst, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 537 (100%) |
| Owner Occupied HU | 411 (76.5%) |
| Renter Occupied HU | 73 (13.6%) |
| Vacant Housing Units | 53 ( 9.9%) |
| Median Home Value | $210,337 |
| Average Home Value | $260,310 |
Housing Distribution
Address Breakdown
Residential
337
Single Family
337
Multi-Family
0
Businesses
32
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 1937
3.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76389, Windthorst, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 537 (100%) |
| Owner Occupied HU | 411 (76.5%) |
| Renter Occupied HU | 73 (13.6%) |
| Vacant Housing Units | 53 ( 9.9%) |
| Median Home Value | $210,337 |
| Average Home Value | $260,310 |
Housing Distribution
Address Breakdown
Residential
337
Single Family
337
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Miles Maddox • Maddox Realty
Mls Name: NTREIS
Mls ID: #20993592