3109 McCulloch CirHoustonTX77056
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3109 McCulloch Cir, Houston, TX, 77056 in Houston earns a 9.77% gross yield at $1,274,800. Rent of $10,380/mo nets $1,040/mo after the $5,732/mo mortgage. The 1.81 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $352,204 and $11,741/yr in equity accumulation project a total cumulative return of $556,623.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $1,040 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $10,380 |
| Total Monthly Debt Service | $8,833 |
| 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 2012
7,705 sqft lot
$N/A/sqft
$275 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77056, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,264 (100%) |
| Owner Occupied HU | 4,757 (29.2%) |
| Renter Occupied HU | 9,065 (55.7%) |
| Vacant Housing Units | 2,442 (15.0%) |
| Median Home Value | $765,546 |
| Average Home Value | $1,010,304 |
Housing Distribution
Address Breakdown
Residential
15,717
Single Family
3,539
Multi-Family
12,178
Businesses
2,208
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 2012
7,705 sqft lot
$N/A/sqft
$275 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77056, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,264 (100%) |
| Owner Occupied HU | 4,757 (29.2%) |
| Renter Occupied HU | 9,065 (55.7%) |
| Vacant Housing Units | 2,442 (15.0%) |
| Median Home Value | $765,546 |
| Average Home Value | $1,010,304 |
Housing Distribution
Address Breakdown
Residential
15,717
Single Family
3,539
Multi-Family
12,178
Businesses
2,208
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices