2730 Harvard StHoustonTX77008
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.17% yield at 2730 Harvard St, Houston, TX, 77008 in Houston is solid, but the $2,136/mo payment compresses net cash flow to $3/mo at $474,999. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $131,233 by year five, and $4,375/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.70) without U.S. income documentation. Total projected return: $198,361.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $3 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,631 |
| Total Monthly Debt Service | $3,189 |
| DSCR Ratio | 1.14x |
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.
Townhouse
Built in 2016
1,524 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77008, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,031 (100%) |
| Owner Occupied HU | 11,593 (50.3%) |
| Renter Occupied HU | 9,475 (41.1%) |
| Vacant Housing Units | 1,963 ( 8.5%) |
| Median Home Value | $542,417 |
| Average Home Value | $635,144 |
Housing Distribution
Address Breakdown
Residential
23,112
Single Family
15,285
Multi-Family
7,827
Businesses
1,930
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
Townhouse
Built in 2016
1,524 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77008, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,031 (100%) |
| Owner Occupied HU | 11,593 (50.3%) |
| Renter Occupied HU | 9,475 (41.1%) |
| Vacant Housing Units | 1,963 ( 8.5%) |
| Median Home Value | $542,417 |
| Average Home Value | $635,144 |
Housing Distribution
Address Breakdown
Residential
23,112
Single Family
15,285
Multi-Family
7,827
Businesses
1,930
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices