20 Rock Creek DrSaladoTX76571
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 20 Rock Creek Dr, Salado, TX, 76571 in Salado is capital appreciation. Rental yield 3.55%. The 3.55% gross yield at $675,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $186,490 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.66) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $78,300.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.2% |
| Monthly Cash Flow | $(2,803) | $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 | $1,997 |
| Total Monthly Debt Service | $4,531 |
| DSCR Ratio | 0.44x |
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 1981
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76571, Salado, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,913 (100%) |
| Owner Occupied HU | 3,095 (79.1%) |
| Renter Occupied HU | 574 (14.7%) |
| Vacant Housing Units | 244 ( 6.2%) |
| Median Home Value | $445,392 |
| Average Home Value | $511,914 |
Housing Distribution
Address Breakdown
Residential
4,248
Single Family
4,240
Multi-Family
8
Businesses
519
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 1981
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76571, Salado, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,913 (100%) |
| Owner Occupied HU | 3,095 (79.1%) |
| Renter Occupied HU | 574 (14.7%) |
| Vacant Housing Units | 244 ( 6.2%) |
| Median Home Value | $445,392 |
| Average Home Value | $511,914 |
Housing Distribution
Address Breakdown
Residential
4,248
Single Family
4,240
Multi-Family
8
Businesses
519
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices