249 Cargill StEl PasoTX79905
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 249 Cargill St, El Paso, TX, 79905 in El Paso is the 1.71 coverage ratio: rent of $1,444/mo versus a $844/mo debt payment on a $187,777 property. Rental yield 9.23%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $51,879 by year five, with $1,729/yr in equity from paydown. Total projected cumulative return: $70,469.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.8% |
| Monthly Cash Flow | $(33) | $385 |
City averages based on El Paso market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,444 |
| Total Monthly Debt Service | $1,403 |
| DSCR Ratio | 1.03x |
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 1955
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79905, El Paso, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,107 (100%) |
| Owner Occupied HU | 4,068 (44.7%) |
| Renter Occupied HU | 4,116 (45.2%) |
| Vacant Housing Units | 923 (10.1%) |
| Median Home Value | $116,067 |
| Average Home Value | $159,583 |
Housing Distribution
Address Breakdown
Residential
8,364
Single Family
7,480
Multi-Family
884
Businesses
1,062
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 1955
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79905, El Paso, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,107 (100%) |
| Owner Occupied HU | 4,068 (44.7%) |
| Renter Occupied HU | 4,116 (45.2%) |
| Vacant Housing Units | 923 (10.1%) |
| Median Home Value | $116,067 |
| Average Home Value | $159,583 |
Housing Distribution
Address Breakdown
Residential
8,364
Single Family
7,480
Multi-Family
884
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Laurie Dreher • BECA Real Estate
Mls Name: GEPAR
Mls Provider:
Mls ID: #921188
Disclaimer: The data relating to real estate for sale on this web site comes in part from the IDX Program of the Greater El Paso Association of REALTORS. Real estate listings held by brokerage firms other than Zillow, Inc are marked with the IDX logo or the IDX thumbnail logo and detailed information about them includes the name of the listing brokers. Listing data is deemed reliable but not guaranteed. Copyright 2025 the Greater El Paso Association of REALTORS, MLS Inc. All rights reserved.