19639 Fm 1021El IndioTX78860
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 19639 Fm 1021, El Indio, TX, 78860 in El Indio. Priced at $110,000, it generates $1,481/mo in gross rent and $699/mo in net monthly cash flow, a 16.15% yield that comfortably supports the 2.99 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,383. Five-year appreciation: $30,391. Equity from principal paydown: $1,013/yr. Total projected cumulative return: $87,133.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.2% | 6.2% |
| Monthly Cash Flow | $699 | $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 | $1,481 |
| Total Monthly Debt Service | $738 |
| DSCR Ratio | 2.01x |
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.
Lot
Built in N/A
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78860, El Indio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 67 (100%) |
| Owner Occupied HU | 40 (59.7%) |
| Renter Occupied HU | 11 (16.4%) |
| Vacant Housing Units | 16 (23.9%) |
| Median Home Value | $150,000 |
| Average Home Value | $145,313 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
3
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
Lot
Built in N/A
5.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78860, El Indio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 67 (100%) |
| Owner Occupied HU | 40 (59.7%) |
| Renter Occupied HU | 11 (16.4%) |
| Vacant Housing Units | 16 (23.9%) |
| Median Home Value | $150,000 |
| Average Home Value | $145,313 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
3
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices