2004 Clay StMabankTX75147
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 2004 Clay St, Mabank, TX, 75147 in Mabank achieves 1.55, rent of $1,980/mo covers the $1,281/mo payment 1.5x over at $284,900. Rental yield 8.34%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $78,713 over five years, with $2,624/yr in principal reduction bringing total projected return to $106,118.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $(48) | $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 | $1,980 |
| Total Monthly Debt Service | $1,915 |
| DSCR Ratio | 1.03x |
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 2021
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75147, Mabank, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,793 (100%) |
| Owner Occupied HU | 2,477 (65.3%) |
| Renter Occupied HU | 981 (25.9%) |
| Vacant Housing Units | 335 ( 8.8%) |
| Median Home Value | $336,546 |
| Average Home Value | $337,294 |
Housing Distribution
Address Breakdown
Residential
3,698
Single Family
3,622
Multi-Family
76
Businesses
411
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 2021
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75147, Mabank, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,793 (100%) |
| Owner Occupied HU | 2,477 (65.3%) |
| Renter Occupied HU | 981 (25.9%) |
| Vacant Housing Units | 335 ( 8.8%) |
| Median Home Value | $336,546 |
| Average Home Value | $337,294 |
Housing Distribution
Address Breakdown
Residential
3,698
Single Family
3,622
Multi-Family
76
Businesses
411
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jodie Roden • Ebby Halliday Realtors
Mls Name: NTREIS
Mls ID: #20930266
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.