2154 Stillhouse DrMontgomeryTX77316
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2154 Stillhouse Dr, Montgomery, TX, 77316 in Montgomery at $424,990 earns $3,302/mo in rent and nets $165/mo after the $1,911/mo payment, a 9.32% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $117,417 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $3,914/yr in principal paydown, total projected return reaches $173,960.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $165 | $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 | $3,302 |
| Total Monthly Debt Service | $2,969 |
| DSCR Ratio | 1.11x |
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 2026
6,534 sqft lot
$N/A/sqft
$1,385 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77316, Montgomery, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,356 (100%) |
| Owner Occupied HU | 13,173 (80.5%) |
| Renter Occupied HU | 1,831 (11.2%) |
| Vacant Housing Units | 1,352 ( 8.3%) |
| Median Home Value | $452,118 |
| Average Home Value | $493,656 |
Housing Distribution
Address Breakdown
Residential
15,368
Single Family
14,899
Multi-Family
469
Businesses
331
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 2026
6,534 sqft lot
$N/A/sqft
$1,385 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77316, Montgomery, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,356 (100%) |
| Owner Occupied HU | 13,173 (80.5%) |
| Renter Occupied HU | 1,831 (11.2%) |
| Vacant Housing Units | 1,352 ( 8.3%) |
| Median Home Value | $452,118 |
| Average Home Value | $493,656 |
Housing Distribution
Address Breakdown
Residential
15,368
Single Family
14,899
Multi-Family
469
Businesses
331
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dina Verteramo • Highland Homes Realty
Mls Name: HAR
Mls Provider:
Mls ID: #57800564
Disclaimer: Copyright 2026, Houston REALTORS Information Service, Inc. The information provided is exclusively for consumers personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.