20634 Dynamic CtHumbleTX77338
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 20634 Dynamic Ct, Humble, TX, 77338 in Humble achieves 1.50, rent of $3,761/mo covers the $2,500/mo payment 1.5x over at $555,900. Rental yield 8.12%. 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 $153,585 over five years, with $5,120/yr in principal reduction bringing total projected return to $194,651.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.2% |
| Monthly Cash Flow | $(292) | $1,200 |
City averages based on Humble market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,761 |
| Total Monthly Debt Service | $3,832 |
| DSCR Ratio | 0.98x |
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 2025
5,832 sqft lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77338, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,259 (100%) |
| Owner Occupied HU | 8,544 (49.5%) |
| Renter Occupied HU | 7,428 (43.0%) |
| Vacant Housing Units | 1,287 ( 7.5%) |
| Median Home Value | $260,461 |
| Average Home Value | $283,669 |
Housing Distribution
Address Breakdown
Residential
16,908
Single Family
11,771
Multi-Family
5,137
Businesses
1,942
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 2025
5,832 sqft lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77338, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,259 (100%) |
| Owner Occupied HU | 8,544 (49.5%) |
| Renter Occupied HU | 7,428 (43.0%) |
| Vacant Housing Units | 1,287 ( 7.5%) |
| Median Home Value | $260,461 |
| Average Home Value | $283,669 |
Housing Distribution
Address Breakdown
Residential
16,908
Single Family
11,771
Multi-Family
5,137
Businesses
1,942
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karina Loken • Keller Williams Platinum
Mls Name: HAR
Mls Provider:
Mls ID: #69510977
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