2654 Matthews Ranch RoadCotullaTX78014
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2654 Matthews Ranch Road, Cotulla, TX, 78014 in Cotulla is priced for appreciation, not yield. Rental yield 0.61%. At $1,690,000 with a 0.61% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $466,916 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.11) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.6% | 6.2% |
| Monthly Cash Flow | $(11,165) | $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 | $853 |
| Total Monthly Debt Service | $11,345 |
| DSCR Ratio | 0.08x |
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 N/A
155 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78014, Cotulla, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,207 (100%) |
| Owner Occupied HU | 1,132 (51.3%) |
| Renter Occupied HU | 438 (19.8%) |
| Vacant Housing Units | 637 (28.9%) |
| Median Home Value | $104,835 |
| Average Home Value | $146,592 |
Housing Distribution
Address Breakdown
Residential
1,723
Single Family
1,648
Multi-Family
75
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 N/A
155 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78014, Cotulla, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,207 (100%) |
| Owner Occupied HU | 1,132 (51.3%) |
| Renter Occupied HU | 438 (19.8%) |
| Vacant Housing Units | 637 (28.9%) |
| Median Home Value | $104,835 |
| Average Home Value | $146,592 |
Housing Distribution
Address Breakdown
Residential
1,723
Single Family
1,648
Multi-Family
75
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.