22647 Kelly DrSaratogaTX77585
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 22647 Kelly Dr, Saratoga, TX, 77585 in Saratoga at $249,000, 3.47% gross yield, is a market-growth asset. Rental yield 3.47%. The $720/mo rent partially funds the $1,120/mo debt service; the core return is the 5%/yr price growth projected to add $68,794 over five years. Ziffy Mortgage's DSCR mortgage (0.64) 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: $27,825.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.2% |
| Monthly Cash Flow | $(1,051) | $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 | $720 |
| Total Monthly Debt Service | $1,672 |
| DSCR Ratio | 0.43x |
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 1986
11.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77585, Saratoga, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 753 (100%) |
| Owner Occupied HU | 597 (79.3%) |
| Renter Occupied HU | 65 ( 8.6%) |
| Vacant Housing Units | 91 (12.1%) |
| Median Home Value | $201,923 |
| Average Home Value | $240,230 |
Housing Distribution
Address Breakdown
Residential
280
Single Family
280
Multi-Family
0
Businesses
21
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 1986
11.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77585, Saratoga, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 753 (100%) |
| Owner Occupied HU | 597 (79.3%) |
| Renter Occupied HU | 65 ( 8.6%) |
| Vacant Housing Units | 91 (12.1%) |
| Median Home Value | $201,923 |
| Average Home Value | $240,230 |
Housing Distribution
Address Breakdown
Residential
280
Single Family
280
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices