307 McNeil StIngramTX78025
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Ingram rental at 307 McNeil St, Ingram, TX, 78025 sits in the solid-income band: 11.82% gross yield, $1,763/mo rent, $490/mo net after the $805/mo debt service, DSCR 2.19. Entry price of $179,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $49,454 and $1,649/yr in principal reduction bring total cumulative return to $100,179.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 6.2% |
| Monthly Cash Flow | $490 | $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 | $1,763 |
| Total Monthly Debt Service | $1,202 |
| DSCR Ratio | 1.47x |
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 1984
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78025, Ingram, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,830 (100%) |
| Owner Occupied HU | 1,886 (66.6%) |
| Renter Occupied HU | 413 (14.6%) |
| Vacant Housing Units | 531 (18.8%) |
| Median Home Value | $408,897 |
| Average Home Value | $518,590 |
Housing Distribution
Address Breakdown
Residential
1,923
Single Family
1,923
Multi-Family
0
Businesses
244
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 1984
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78025, Ingram, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,830 (100%) |
| Owner Occupied HU | 1,886 (66.6%) |
| Renter Occupied HU | 413 (14.6%) |
| Vacant Housing Units | 531 (18.8%) |
| Median Home Value | $408,897 |
| Average Home Value | $518,590 |
Housing Distribution
Address Breakdown
Residential
1,923
Single Family
1,923
Multi-Family
0
Businesses
244
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices