3104 Goldcrest AveMcAllenTX78504
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 3104 Goldcrest Ave, McAllen, TX, 78504 in McAllen achieves a 1.77 ratio at $242,500: $1,929/mo rent versus $1,090/mo debt service. Rental yield 7.85%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 7.85% yield compounds alongside 5% annual appreciation projecting $66,998 in value. Total projected cumulative return: $106,151.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $(169) | $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 | $1,929 |
| Total Monthly Debt Service | $1,628 |
| DSCR Ratio | 1.18x |
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 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78504, Mcallen, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,981 (100%) |
| Owner Occupied HU | 14,971 (68.1%) |
| Renter Occupied HU | 5,753 (26.2%) |
| Vacant Housing Units | 1,257 ( 5.7%) |
| Median Home Value | $224,388 |
| Average Home Value | $263,654 |
Housing Distribution
Address Breakdown
Residential
22,123
Single Family
19,065
Multi-Family
3,058
Businesses
2,269
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 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78504, Mcallen, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,981 (100%) |
| Owner Occupied HU | 14,971 (68.1%) |
| Renter Occupied HU | 5,753 (26.2%) |
| Vacant Housing Units | 1,257 ( 5.7%) |
| Median Home Value | $224,388 |
| Average Home Value | $263,654 |
Housing Distribution
Address Breakdown
Residential
22,123
Single Family
19,065
Multi-Family
3,058
Businesses
2,269
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices