3088 State Highway 11WinnsboroTX75494
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3088 State Highway 11, Winnsboro, TX, 75494 in Winnsboro speaks for itself: 10.78% gross on a $525,000 price, generating $4,716/mo in rent and $983/mo in net income after the $2,361/mo debt service. DSCR 2.00, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,792 stacks alongside $145,048 in projected five-year appreciation and $4,835/yr in principal reduction. Projected total cumulative return: $264,436.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $983 | $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 | $4,716 |
| Total Monthly Debt Service | $3,524 |
| DSCR Ratio | 1.34x |
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 N/A
16.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75494, Winnsboro, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,321 (100%) |
| Owner Occupied HU | 3,356 (63.1%) |
| Renter Occupied HU | 1,231 (23.1%) |
| Vacant Housing Units | 734 (13.8%) |
| Median Home Value | $227,593 |
| Average Home Value | $310,940 |
Housing Distribution
Address Breakdown
Residential
5,087
Single Family
4,915
Multi-Family
172
Businesses
510
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 N/A
16.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75494, Winnsboro, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,321 (100%) |
| Owner Occupied HU | 3,356 (63.1%) |
| Renter Occupied HU | 1,231 (23.1%) |
| Vacant Housing Units | 734 (13.8%) |
| Median Home Value | $227,593 |
| Average Home Value | $310,940 |
Housing Distribution
Address Breakdown
Residential
5,087
Single Family
4,915
Multi-Family
172
Businesses
510
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices