3148 Fm 31 SCarthageTX75633
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3148 Fm 31 S, Carthage, TX, 75633 in Carthage earns its strong cash-flow label: 21.11% yield, $3,430/mo rent, $2,043/mo net income, DSCR 3.91. The $195,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $53,875 by year five. Combined with $1,796/yr in principal paydown, total projected return reaches $206,209.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 21.1% | 6.2% |
| Monthly Cash Flow | $2,043 | $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 | $3,430 |
| Total Monthly Debt Service | $1,309 |
| DSCR Ratio | 2.62x |
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 1971
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75633, Carthage, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,417 (100%) |
| Owner Occupied HU | 4,150 (64.7%) |
| Renter Occupied HU | 1,292 (20.1%) |
| Vacant Housing Units | 975 (15.2%) |
| Median Home Value | $202,650 |
| Average Home Value | $247,024 |
Housing Distribution
Address Breakdown
Residential
6,281
Single Family
6,052
Multi-Family
229
Businesses
828
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 1971
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75633, Carthage, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,417 (100%) |
| Owner Occupied HU | 4,150 (64.7%) |
| Renter Occupied HU | 1,292 (20.1%) |
| Vacant Housing Units | 975 (15.2%) |
| Median Home Value | $202,650 |
| Average Home Value | $247,024 |
Housing Distribution
Address Breakdown
Residential
6,281
Single Family
6,052
Multi-Family
229
Businesses
828
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices