18065 Stewart StHarroldTX76364
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 18065 Stewart St, Harrold, TX, 76364 in Harrold speaks for itself: 16.02% gross on a $125,000 price, generating $1,669/mo in rent and $780/mo in net income after the $562/mo debt service. DSCR 2.97, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,364 stacks alongside $34,535 in projected five-year appreciation and $1,151/yr in principal reduction. Projected total cumulative return: $98,095.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16% | 6.2% |
| Monthly Cash Flow | $780 | $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 | $1,669 |
| Total Monthly Debt Service | $839 |
| DSCR Ratio | 1.99x |
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 1998
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76364, Harrold, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 91 (100%) |
| Owner Occupied HU | 48 (52.7%) |
| Renter Occupied HU | 21 (23.1%) |
| Vacant Housing Units | 22 (24.2%) |
| Median Home Value | $162,500 |
| Average Home Value | $212,813 |
Housing Distribution
Address Breakdown
Residential
68
Single Family
68
Multi-Family
0
Businesses
6
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 1998
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76364, Harrold, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 91 (100%) |
| Owner Occupied HU | 48 (52.7%) |
| Renter Occupied HU | 21 (23.1%) |
| Vacant Housing Units | 22 (24.2%) |
| Median Home Value | $162,500 |
| Average Home Value | $212,813 |
Housing Distribution
Address Breakdown
Residential
68
Single Family
68
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices