2202 S 53rd StTempleTX76504
INVESTMENT ANALYSIS
Investment Verdict
Solid Income2202 S 53rd St, Temple, TX, 76504 in Temple earns a respectable 9.38% gross yield at $194,900, but after the $876/mo mortgage the net cash flow is $137/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.74) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $53,847 over five years, making equity the dominant return driver. Total projected return: $83,524.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $137 | $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 | $1,523 |
| Total Monthly Debt Service | $1,308 |
| DSCR Ratio | 1.16x |
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 1969
8,581 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76504, Temple, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,346 (100%) |
| Owner Occupied HU | 4,802 (36.0%) |
| Renter Occupied HU | 7,272 (54.5%) |
| Vacant Housing Units | 1,272 ( 9.5%) |
| Median Home Value | $208,864 |
| Average Home Value | $274,573 |
Housing Distribution
Address Breakdown
Residential
11,800
Single Family
8,424
Multi-Family
3,376
Businesses
1,106
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 1969
8,581 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76504, Temple, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,346 (100%) |
| Owner Occupied HU | 4,802 (36.0%) |
| Renter Occupied HU | 7,272 (54.5%) |
| Vacant Housing Units | 1,272 ( 9.5%) |
| Median Home Value | $208,864 |
| Average Home Value | $274,573 |
Housing Distribution
Address Breakdown
Residential
11,800
Single Family
8,424
Multi-Family
3,376
Businesses
1,106
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices