313 Overlook DriveKerrvilleTX78028
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 313 Overlook Drive, Kerrville, TX, 78028 in Kerrville fits: $1,095,000, 4.14% gross yield, and a projected 5% annual appreciation rate adding $302,528 in value within five years. Rental yield 4.14%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.77) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,085/yr in principal paydown and $302,528 in appreciation project a total return of $161,617.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(4,009) | $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 | $3,778 |
| Total Monthly Debt Service | $7,351 |
| DSCR Ratio | 0.51x |
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 1992
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78028, Kerrville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,132 (100%) |
| Owner Occupied HU | 12,783 (63.5%) |
| Renter Occupied HU | 5,524 (27.4%) |
| Vacant Housing Units | 1,825 ( 9.1%) |
| Median Home Value | $318,882 |
| Average Home Value | $407,051 |
Housing Distribution
Address Breakdown
Residential
19,054
Single Family
16,824
Multi-Family
2,230
Businesses
1,726
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 1992
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78028, Kerrville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,132 (100%) |
| Owner Occupied HU | 12,783 (63.5%) |
| Renter Occupied HU | 5,524 (27.4%) |
| Vacant Housing Units | 1,825 ( 9.1%) |
| Median Home Value | $318,882 |
| Average Home Value | $407,051 |
Housing Distribution
Address Breakdown
Residential
19,054
Single Family
16,824
Multi-Family
2,230
Businesses
1,726
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandra Castillo • eXp Realty
Mls Name: SABOR
Mls Provider:
Mls ID: #1835177
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.