184 Private Road 36194SumnerTX75486
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $155,000, 184 Private Road 36194, Sumner, TX, 75486 in Sumner generates $1,215/mo in rent (9.41% yield) but nets only $113/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.74) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $42,824. Total projected return: $66,690.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $113 | $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 | $1,215 |
| Total Monthly Debt Service | $1,041 |
| DSCR Ratio | 1.17x |
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 1999
1.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75486, Sumner, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,109 (100%) |
| Owner Occupied HU | 803 (72.4%) |
| Renter Occupied HU | 176 (15.9%) |
| Vacant Housing Units | 130 (11.7%) |
| Median Home Value | $244,388 |
| Average Home Value | $398,559 |
Housing Distribution
Address Breakdown
Residential
1,063
Single Family
1,063
Multi-Family
0
Businesses
28
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 1999
1.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75486, Sumner, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,109 (100%) |
| Owner Occupied HU | 803 (72.4%) |
| Renter Occupied HU | 176 (15.9%) |
| Vacant Housing Units | 130 (11.7%) |
| Median Home Value | $244,388 |
| Average Home Value | $398,559 |
Housing Distribution
Address Breakdown
Residential
1,063
Single Family
1,063
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices