3114 Clay StHoustonTX77003
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.56% gross rental yield, 3114 Clay St, Houston, TX, 77003 in Houston is priced for capital growth, not immediate cash flow. The $759,950 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $209,960 by year five, with $6,999/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.66) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $88,724.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.2% |
| Monthly Cash Flow | $(3,147) | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,257 |
| Total Monthly Debt Service | $5,102 |
| DSCR Ratio | 0.44x |
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.
Townhouse
Built in 2025
1,550 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77003, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,860 (35.2%) |
| Renter Occupied HU | 3,800 (46.8%) |
| Vacant Housing Units | 1,468 (18.1%) |
| Median Home Value | $374,465 |
| Average Home Value | $405,495 |
Housing Distribution
Address Breakdown
Residential
6,521
Single Family
4,577
Multi-Family
1,944
Businesses
763
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
Townhouse
Built in 2025
1,550 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77003, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,860 (35.2%) |
| Renter Occupied HU | 3,800 (46.8%) |
| Vacant Housing Units | 1,468 (18.1%) |
| Median Home Value | $374,465 |
| Average Home Value | $405,495 |
Housing Distribution
Address Breakdown
Residential
6,521
Single Family
4,577
Multi-Family
1,944
Businesses
763
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices