2105 Vista RosaThree RiversTX78071
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2105 Vista Rosa, Three Rivers, TX, 78071 in Three Rivers at $450,000, 2.4% gross yield, is a market-growth asset. Rental yield 2.4%. The $900/mo rent partially funds the $2,023/mo debt service; the core return is the 5%/yr price growth projected to add $124,327 over five years. Ziffy Mortgage's DSCR mortgage (0.44) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $24,480.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 6.2% |
| Monthly Cash Flow | $(2,300) | $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 | $900 |
| Total Monthly Debt Service | $3,021 |
| DSCR Ratio | 0.30x |
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
10,422 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78071, Three Rivers, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,721 (100%) |
| Owner Occupied HU | 926 (53.8%) |
| Renter Occupied HU | 311 (18.1%) |
| Vacant Housing Units | 484 (28.1%) |
| Median Home Value | $177,174 |
| Average Home Value | $272,341 |
Housing Distribution
Address Breakdown
Residential
599
Single Family
591
Multi-Family
8
Businesses
168
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
10,422 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78071, Three Rivers, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,721 (100%) |
| Owner Occupied HU | 926 (53.8%) |
| Renter Occupied HU | 311 (18.1%) |
| Vacant Housing Units | 484 (28.1%) |
| Median Home Value | $177,174 |
| Average Home Value | $272,341 |
Housing Distribution
Address Breakdown
Residential
599
Single Family
591
Multi-Family
8
Businesses
168
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Richard Dockery • Dockery + Associates
Mls Name: South Texas MLS
Mls ID: #467388