275 W Highway 164DonieTX75838
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 275 W Highway 164, Donie, TX, 75838 in Donie fits: $384,000, 3.19% gross yield, and a projected 5% annual appreciation rate adding $106,092 in value within five years. Rental yield 3.19%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.59) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,537/yr in principal paydown and $106,092 in appreciation project a total return of $37,056.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 6.2% |
| Monthly Cash Flow | $(1,711) | $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 | $1,020 |
| Total Monthly Debt Service | $2,578 |
| DSCR Ratio | 0.40x |
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 2001
2.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75838, Donie, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 233 (100%) |
| Owner Occupied HU | 156 (67.0%) |
| Renter Occupied HU | 24 (10.3%) |
| Vacant Housing Units | 53 (22.7%) |
| Median Home Value | $222,222 |
| Average Home Value | $249,551 |
Housing Distribution
Address Breakdown
Residential
273
Single Family
273
Multi-Family
0
Businesses
16
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 2001
2.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75838, Donie, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 233 (100%) |
| Owner Occupied HU | 156 (67.0%) |
| Renter Occupied HU | 24 (10.3%) |
| Vacant Housing Units | 53 (22.7%) |
| Median Home Value | $222,222 |
| Average Home Value | $249,551 |
Housing Distribution
Address Breakdown
Residential
273
Single Family
273
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices