2834 N Highway 16 HighwaySan SabaTX76877
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 2834 N Highway 16 Highway, San Saba, TX, 76877 in San Saba the bet is firmly on appreciation. Rental yield 3.84%. The 3.84% gross yield on a $650,000 price is below income-first thresholds, but 5%/yr value growth projects $179,583 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.71) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $85,511.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(2,543) | $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 | $2,080 |
| Total Monthly Debt Service | $4,364 |
| DSCR Ratio | 0.48x |
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 1991
6.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76877, San Saba, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,041 (100%) |
| Owner Occupied HU | 1,166 (57.1%) |
| Renter Occupied HU | 421 (20.6%) |
| Vacant Housing Units | 454 (22.2%) |
| Median Home Value | $167,485 |
| Average Home Value | $351,910 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,691
Multi-Family
0
Businesses
305
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 1991
6.89 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76877, San Saba, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,041 (100%) |
| Owner Occupied HU | 1,166 (57.1%) |
| Renter Occupied HU | 421 (20.6%) |
| Vacant Housing Units | 454 (22.2%) |
| Median Home Value | $167,485 |
| Average Home Value | $351,910 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,691
Multi-Family
0
Businesses
305
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Martha Whitten • Whitten Real Estate
Mls Name: HLMLS
Mls Provider:
Mls ID: #170775
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.