20653 E State Highway 21ChirenoTX75937
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSteady, low-maintenance, and fundable: 20653 E State Highway 21, Chireno, TX, 75937 in Chireno at $245,000. Rental yield 8.15%. The 8.15% yield and 1.43 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $67,689 by year five, and $2,054/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $84,193.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $(79) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,663 |
| Total Monthly Debt Service | $1,705 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
11.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75937, Chireno, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 596 (100%) |
| Owner Occupied HU | 393 (65.9%) |
| Renter Occupied HU | 79 (13.3%) |
| Vacant Housing Units | 124 (20.8%) |
| Median Home Value | $135,671 |
| Average Home Value | $165,140 |
Housing Distribution
Address Breakdown
Residential
394
Single Family
394
Multi-Family
0
Businesses
21
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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
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