195 PR 1521BanderaTX78003
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt 1.53, 195 PR 1521, Bandera, TX, 78003 in Bandera sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 8.23%. The 8.23% yield is backed by 5% annual appreciation projecting $77,331 in value gain, plus $2,578/yr in principal reduction. Total projected cumulative return: $99,844.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $(118) | $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 | $1,920 |
| Total Monthly Debt Service | $1,927 |
| DSCR Ratio | 1.00x |
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 2021
0.44 Acres lot
$N/A/sqft
$48 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78003, Bandera, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,611 (100%) |
| Owner Occupied HU | 3,748 (66.8%) |
| Renter Occupied HU | 736 (13.1%) |
| Vacant Housing Units | 1,127 (20.1%) |
| Median Home Value | $274,510 |
| Average Home Value | $383,783 |
Housing Distribution
Address Breakdown
Residential
3,940
Single Family
3,864
Multi-Family
76
Businesses
460
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 2021
0.44 Acres lot
$N/A/sqft
$48 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78003, Bandera, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,611 (100%) |
| Owner Occupied HU | 3,748 (66.8%) |
| Renter Occupied HU | 736 (13.1%) |
| Vacant Housing Units | 1,127 (20.1%) |
| Median Home Value | $274,510 |
| Average Home Value | $383,783 |
Housing Distribution
Address Breakdown
Residential
3,940
Single Family
3,864
Multi-Family
76
Businesses
460
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julie Gormley • Keller Williams Boerne
Mls Name: SABOR
Mls Provider:
Mls ID: #1804854
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.