278 Valley Ranch CircleValley SpringTX76885
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 278 Valley Ranch Circle, Valley Spring, TX, 76885 in Valley Spring is narrow, $190/mo net on $1,534/mo rent after the $850/mo debt service, but the property operates at break-even-plus, not a loss. At $189,000 with a 9.74% yield, the long-run equity case via 5% appreciation ($52,217 over five years) and $1,741/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.80 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $84,695.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $190 | $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 | $1,534 |
| Total Monthly Debt Service | $1,269 |
| DSCR Ratio | 1.21x |
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.
Manufactured
Built in 2021
3.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76885, Valley Spring, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 90 (55.2%) |
| Renter Occupied HU | 7 ( 4.3%) |
| Vacant Housing Units | 66 (40.5%) |
| Median Home Value | $592,593 |
| Average Home Value | $773,889 |
Housing Distribution
Address Breakdown
Residential
34
Single Family
34
Multi-Family
0
Businesses
4
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
Manufactured
Built in 2021
3.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76885, Valley Spring, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 90 (55.2%) |
| Renter Occupied HU | 7 ( 4.3%) |
| Vacant Housing Units | 66 (40.5%) |
| Median Home Value | $592,593 |
| Average Home Value | $773,889 |
Housing Distribution
Address Breakdown
Residential
34
Single Family
34
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John C Osbourn • Landmasters Real Estate
Mls Name: HLMLS
Mls ID: #172737