18109 El Polvorin DrPenitasTX78576
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 18109 El Polvorin Dr, Penitas, TX, 78576 in Penitas is a conservative rental investment at $209,000. Rental yield 6.81%. A 1.26 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $57,743; $1,925/yr in principal paydown supplements. Total projected return: $60,770.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(301) | $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 | $1,186 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 0.85x |
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.
Manufactured
Built in 2022
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78576, Penitas, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,844 (100%) |
| Owner Occupied HU | 2,818 (73.3%) |
| Renter Occupied HU | 636 (16.5%) |
| Vacant Housing Units | 390 (10.1%) |
| Median Home Value | $162,031 |
| Average Home Value | $161,529 |
Housing Distribution
Address Breakdown
Residential
3,467
Single Family
3,339
Multi-Family
128
Businesses
173
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 2022
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78576, Penitas, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,844 (100%) |
| Owner Occupied HU | 2,818 (73.3%) |
| Renter Occupied HU | 636 (16.5%) |
| Vacant Housing Units | 390 (10.1%) |
| Median Home Value | $162,031 |
| Average Home Value | $161,529 |
Housing Distribution
Address Breakdown
Residential
3,467
Single Family
3,339
Multi-Family
128
Businesses
173
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices