202 Montgomery StNavasotaTX77868
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $198,777, 202 Montgomery St, Navasota, TX, 77868 in Navasota generates $1,560/mo in rent (9.42% yield) but nets only $146/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.74) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $54,918. Total projected return: $85,625.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $146 | $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 | $1,560 |
| Total Monthly Debt Service | $1,334 |
| DSCR Ratio | 1.17x |
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 1966
6,185 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77868, Navasota, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,529 (100%) |
| Owner Occupied HU | 4,260 (65.2%) |
| Renter Occupied HU | 1,511 (23.1%) |
| Vacant Housing Units | 758 (11.6%) |
| Median Home Value | $238,852 |
| Average Home Value | $347,829 |
Housing Distribution
Address Breakdown
Residential
5,985
Single Family
5,895
Multi-Family
90
Businesses
547
Nearby investment properties with comparable rents
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 1966
6,185 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77868, Navasota, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,529 (100%) |
| Owner Occupied HU | 4,260 (65.2%) |
| Renter Occupied HU | 1,511 (23.1%) |
| Vacant Housing Units | 758 (11.6%) |
| Median Home Value | $238,852 |
| Average Home Value | $347,829 |
Housing Distribution
Address Breakdown
Residential
5,985
Single Family
5,895
Multi-Family
90
Businesses
547
Nearby investment properties with comparable rents