20108 Highway 36GuyTX77444
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20108 Highway 36, Guy, TX, 77444 in Guy deserves attention. This $260,600 property earns $2,801/mo in rent, a 12.9% gross yield, and nets $948/mo after the $1,172/mo payment. DSCR 2.39 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $71,999 compounds alongside $2,400/yr in yearly equity build, for a total cumulative return of $160,886.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 6.2% |
| Monthly Cash Flow | $948 | $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 | $2,801 |
| Total Monthly Debt Service | $1,749 |
| DSCR Ratio | 1.60x |
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 1977
1,870 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77444, Guy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 367 (100%) |
| Owner Occupied HU | 277 (75.5%) |
| Renter Occupied HU | 43 (11.7%) |
| Vacant Housing Units | 47 (12.8%) |
| Median Home Value | $463,889 |
| Average Home Value | $444,522 |
Housing Distribution
Address Breakdown
Residential
449
Single Family
449
Multi-Family
0
Businesses
22
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 1977
1,870 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77444, Guy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 367 (100%) |
| Owner Occupied HU | 277 (75.5%) |
| Renter Occupied HU | 43 (11.7%) |
| Vacant Housing Units | 47 (12.8%) |
| Median Home Value | $463,889 |
| Average Home Value | $444,522 |
Housing Distribution
Address Breakdown
Residential
449
Single Family
449
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices