191 County Road 358Richland SpringsTX76871
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 191 County Road 358, Richland Springs, TX, 76871 in Richland Springs is capital appreciation. Rental yield 1.05%. The 1.05% gross yield at $1,200,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $331,538 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.19) without U.S. credit history; structure with a larger down payment to optimise coverage.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.1% | 6.2% |
| Monthly Cash Flow | $(7,482) | $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 | $1,051 |
| Total Monthly Debt Service | $8,056 |
| DSCR Ratio | 0.13x |
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 1980
1.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76871, Richland Springs, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 436 (100%) |
| Owner Occupied HU | 251 (57.6%) |
| Renter Occupied HU | 42 ( 9.6%) |
| Vacant Housing Units | 143 (32.8%) |
| Median Home Value | $240,972 |
| Average Home Value | $547,231 |
Housing Distribution
Address Breakdown
Residential
310
Single Family
310
Multi-Family
0
Businesses
29
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 1980
1.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76871, Richland Springs, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 436 (100%) |
| Owner Occupied HU | 251 (57.6%) |
| Renter Occupied HU | 42 ( 9.6%) |
| Vacant Housing Units | 143 (32.8%) |
| Median Home Value | $240,972 |
| Average Home Value | $547,231 |
Housing Distribution
Address Breakdown
Residential
310
Single Family
310
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Deryl Hoyt Jr • Hoyt Real Estate
Mls Name: NTREIS
Mls ID: #20746614
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.