290 HumbirdClevelandTX77328
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $234,900, 290 Humbird, Cleveland, TX, 77328 in Cleveland generates $1,846/mo in rent (9.43% yield) but nets only $175/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.75) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $64,899. Total projected return: $101,363.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $175 | $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 | $1,846 |
| Total Monthly Debt Service | $1,577 |
| DSCR Ratio | 1.17x |
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.
Single Family
Built in 2008
2.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77328, Cleveland, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,134 (100%) |
| Owner Occupied HU | 5,423 (76.0%) |
| Renter Occupied HU | 976 (13.7%) |
| Vacant Housing Units | 735 (10.3%) |
| Median Home Value | $258,796 |
| Average Home Value | $360,393 |
Housing Distribution
Address Breakdown
Residential
6,637
Single Family
6,636
Multi-Family
1
Businesses
328
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 2008
2.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77328, Cleveland, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,134 (100%) |
| Owner Occupied HU | 5,423 (76.0%) |
| Renter Occupied HU | 976 (13.7%) |
| Vacant Housing Units | 735 (10.3%) |
| Median Home Value | $258,796 |
| Average Home Value | $360,393 |
Housing Distribution
Address Breakdown
Residential
6,637
Single Family
6,636
Multi-Family
1
Businesses
328
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices