201 Naquin StHoumaLA70360
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 201 Naquin St, Houma, LA, 70360 in Houma is narrow, $193/mo net on $995/mo rent after the $582/mo debt service, but the property operates at break-even-plus, not a loss. At $129,500 with a 9.22% yield, the long-run equity case via 5% appreciation ($35,778 over five years) and $1,193/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $61,556.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.8% |
| Monthly Cash Flow | $193 | $420 |
City averages based on Houma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $995 |
| Total Monthly Debt Service | $751 |
| DSCR Ratio | 1.33x |
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 1936
5,837 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70360, Houma, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,410 (100%) |
| Owner Occupied HU | 7,442 (60.0%) |
| Renter Occupied HU | 3,559 (28.7%) |
| Vacant Housing Units | 1,409 (11.4%) |
| Median Home Value | $307,752 |
| Average Home Value | $407,854 |
Housing Distribution
Address Breakdown
Residential
11,883
Single Family
9,729
Multi-Family
2,154
Businesses
1,715
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 1936
5,837 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70360, Houma, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,410 (100%) |
| Owner Occupied HU | 7,442 (60.0%) |
| Renter Occupied HU | 3,559 (28.7%) |
| Vacant Housing Units | 1,409 (11.4%) |
| Median Home Value | $307,752 |
| Average Home Value | $407,854 |
Housing Distribution
Address Breakdown
Residential
11,883
Single Family
9,729
Multi-Family
2,154
Businesses
1,715
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices