1822 State Road 2130SmyerTX79367
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 1822 State Road 2130, Smyer, TX, 79367 in Smyer: $2,227/mo in rent, $471/mo in net income, 10.82% gross yield, 2.00 DSCR, all at $247,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $68,242 in appreciation and $2,275/yr in principal paydown projects total cumulative return of $124,944.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $471 | $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 | $2,227 |
| Total Monthly Debt Service | $1,658 |
| DSCR Ratio | 1.34x |
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 2002
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79367, Smyer, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9 (100%) |
| Owner Occupied HU | 7 (77.8%) |
| Renter Occupied HU | 2 (22.2%) |
| Vacant Housing Units | 0 |
| Median Home Value | $181,250 |
| Average Home Value | $178,929 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
19
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 2002
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79367, Smyer, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9 (100%) |
| Owner Occupied HU | 7 (77.8%) |
| Renter Occupied HU | 2 (22.2%) |
| Vacant Housing Units | 0 |
| Median Home Value | $181,250 |
| Average Home Value | $178,929 |
Housing Distribution
Address Breakdown
Residential
2
Single Family
2
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices