196 County Road 414RobyTX79543
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 196 County Road 414, Roby, TX, 79543 in Roby at $165,000 earns $1,313/mo in rent and nets $140/mo after the $742/mo payment, a 9.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $45,586 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,520/yr in principal paydown, total projected return reaches $72,266.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $140 | $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 | $1,313 |
| Total Monthly Debt Service | $1,108 |
| DSCR Ratio | 1.19x |
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 2012
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79543, Roby, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 586 (100%) |
| Owner Occupied HU | 373 (63.7%) |
| Renter Occupied HU | 78 (13.3%) |
| Vacant Housing Units | 135 (23.0%) |
| Median Home Value | $120,221 |
| Average Home Value | $278,834 |
Housing Distribution
Address Breakdown
Residential
352
Single Family
352
Multi-Family
0
Businesses
46
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 2012
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79543, Roby, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 586 (100%) |
| Owner Occupied HU | 373 (63.7%) |
| Renter Occupied HU | 78 (13.3%) |
| Vacant Housing Units | 135 (23.0%) |
| Median Home Value | $120,221 |
| Average Home Value | $278,834 |
Housing Distribution
Address Breakdown
Residential
352
Single Family
352
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices