309 MADISON AVETowTX78672
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 309 MADISON AVE, Tow, TX, 78672 in Tow offers a clean, manageable entry. Rental yield 7.26%. DSCR 1.35 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $86,891 in additional property value over five years, with $2,897/yr in principal equity building ownership stake. Total projected cumulative return: $99,086.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $(333) | $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 | $1,903 |
| Total Monthly Debt Service | $2,111 |
| DSCR Ratio | 0.90x |
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 1978
2.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78672, Tow, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,017 (100%) |
| Owner Occupied HU | 430 (42.3%) |
| Renter Occupied HU | 73 ( 7.2%) |
| Vacant Housing Units | 514 (50.5%) |
| Median Home Value | $284,286 |
| Average Home Value | $351,820 |
Housing Distribution
Address Breakdown
Residential
555
Single Family
555
Multi-Family
0
Businesses
31
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
2.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78672, Tow, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,017 (100%) |
| Owner Occupied HU | 430 (42.3%) |
| Renter Occupied HU | 73 ( 7.2%) |
| Vacant Housing Units | 514 (50.5%) |
| Median Home Value | $284,286 |
| Average Home Value | $351,820 |
Housing Distribution
Address Breakdown
Residential
555
Single Family
555
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices