2114 Saunders StGatesvilleTX76528
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2114 Saunders St, Gatesville, TX, 76528 in Gatesville is a solid income-producing rental, 11.78% gross yield, $1,080/mo rent, $298/mo net cash flow on a $110,000 buy. DSCR 2.18 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $30,391 and $1,013/yr in principal reduction project a total cumulative return of $61,333.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $298 | $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 | $1,080 |
| Total Monthly Debt Service | $738 |
| DSCR Ratio | 1.46x |
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 1965
8,598 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76528, Gatesville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,001 (100%) |
| Owner Occupied HU | 4,906 (61.3%) |
| Renter Occupied HU | 2,134 (26.7%) |
| Vacant Housing Units | 961 (12.0%) |
| Median Home Value | $263,559 |
| Average Home Value | $325,265 |
Housing Distribution
Address Breakdown
Residential
7,502
Single Family
7,326
Multi-Family
176
Businesses
555
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 1965
8,598 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76528, Gatesville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,001 (100%) |
| Owner Occupied HU | 4,906 (61.3%) |
| Renter Occupied HU | 2,134 (26.7%) |
| Vacant Housing Units | 961 (12.0%) |
| Median Home Value | $263,559 |
| Average Home Value | $325,265 |
Housing Distribution
Address Breakdown
Residential
7,502
Single Family
7,326
Multi-Family
176
Businesses
555
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices