2430 Cottonwood Creek RdTempleTX76501
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Temple at 2430 Cottonwood Creek Rd, Temple, TX, 76501 projects strong ROI of 1.31%. Rental yield 2.51%. With 5% annual appreciation, the property builds $623,789 in value over five years. Equity growth combined delivers a projected five-year ROI of 21.22%, translating into $135,379 in total cumulative return on $637,829 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.2% |
| Monthly Cash Flow | $(11,342) | $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 | $4,714 |
| Total Monthly Debt Service | $15,157 |
| DSCR Ratio | 0.31x |
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 2000
80.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76501, Temple, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,880 (100%) |
| Owner Occupied HU | 4,286 (54.4%) |
| Renter Occupied HU | 2,877 (36.5%) |
| Vacant Housing Units | 717 ( 9.1%) |
| Median Home Value | $232,289 |
| Average Home Value | $269,705 |
Housing Distribution
Address Breakdown
Residential
7,369
Single Family
6,892
Multi-Family
477
Businesses
585
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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 2000
80.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76501, Temple, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,880 (100%) |
| Owner Occupied HU | 4,286 (54.4%) |
| Renter Occupied HU | 2,877 (36.5%) |
| Vacant Housing Units | 717 ( 9.1%) |
| Median Home Value | $232,289 |
| Average Home Value | $269,705 |
Housing Distribution
Address Breakdown
Residential
7,369
Single Family
6,892
Multi-Family
477
Businesses
585
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices