295 Oak Creek CirLulingTX78648
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow295 Oak Creek Cir, Luling, TX, 78648 in Luling earns its strong cash-flow label: 16.05% yield, $2,540/mo rent, $1,021/mo net income, DSCR 2.97. The $189,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $52,466 by year five. Combined with $1,749/yr in principal paydown, total projected return reaches $139,230.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.1% | 6.2% |
| Monthly Cash Flow | $1,021 | $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 | $2,540 |
| Total Monthly Debt Service | $1,443 |
| DSCR Ratio | 1.76x |
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 1978
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78648, Luling, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,660 (100%) |
| Owner Occupied HU | 2,199 (60.1%) |
| Renter Occupied HU | 1,020 (27.9%) |
| Vacant Housing Units | 441 (12.0%) |
| Median Home Value | $230,417 |
| Average Home Value | $257,386 |
Housing Distribution
Address Breakdown
Residential
3,179
Single Family
3,012
Multi-Family
167
Businesses
325
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 1978
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78648, Luling, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,660 (100%) |
| Owner Occupied HU | 2,199 (60.1%) |
| Renter Occupied HU | 1,020 (27.9%) |
| Vacant Housing Units | 441 (12.0%) |
| Median Home Value | $230,417 |
| Average Home Value | $257,386 |
Housing Distribution
Address Breakdown
Residential
3,179
Single Family
3,012
Multi-Family
167
Businesses
325
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices