18221 Descartes StNew CaneyTX77357
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.50 makes 18221 Descartes St, New Caney, TX, 77357 in New Caney one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.09%. The 8.09% yield, 5% annual appreciation ($71,554 over five years), and $2,385/yr in principal reduction project a total cumulative return of $89,162.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(161) | $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 | $1,746 |
| Total Monthly Debt Service | $1,804 |
| DSCR Ratio | 0.97x |
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 2025
6,000 sqft lot
$N/A/sqft
$788 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77357, New Caney, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,646 (100%) |
| Owner Occupied HU | 12,426 (74.6%) |
| Renter Occupied HU | 2,795 (16.8%) |
| Vacant Housing Units | 1,425 ( 8.6%) |
| Median Home Value | $324,310 |
| Average Home Value | $342,586 |
Housing Distribution
Address Breakdown
Residential
15,078
Single Family
14,889
Multi-Family
189
Businesses
691
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 2025
6,000 sqft lot
$N/A/sqft
$788 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77357, New Caney, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,646 (100%) |
| Owner Occupied HU | 12,426 (74.6%) |
| Renter Occupied HU | 2,795 (16.8%) |
| Vacant Housing Units | 1,425 ( 8.6%) |
| Median Home Value | $324,310 |
| Average Home Value | $342,586 |
Housing Distribution
Address Breakdown
Residential
15,078
Single Family
14,889
Multi-Family
189
Businesses
691
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Heather Chavana • D.R. Horton Homes
Mls Name: HAR
Mls Provider:
Mls ID: #19775836
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