315 Heritage Groves RdBertramTX78605
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 315 Heritage Groves Rd, Bertram, TX, 78605 in Bertram speaks for itself: 12.37% gross on a $232,800 price, generating $2,400/mo in rent and $745/mo in net income after the $1,047/mo debt service. DSCR 2.29, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,934 stacks alongside $64,318 in projected five-year appreciation and $2,144/yr in principal reduction. Projected total cumulative return: $137,105.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 6.2% |
| Monthly Cash Flow | $745 | $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 | $2,400 |
| Total Monthly Debt Service | $1,563 |
| DSCR Ratio | 1.54x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78605, Bertram, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,638 (100%) |
| Owner Occupied HU | 2,016 (76.4%) |
| Renter Occupied HU | 376 (14.3%) |
| Vacant Housing Units | 246 ( 9.3%) |
| Median Home Value | $376,800 |
| Average Home Value | $474,711 |
Housing Distribution
Address Breakdown
Residential
2,683
Single Family
2,683
Multi-Family
0
Businesses
203
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78605, Bertram, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,638 (100%) |
| Owner Occupied HU | 2,016 (76.4%) |
| Renter Occupied HU | 376 (14.3%) |
| Vacant Housing Units | 246 ( 9.3%) |
| Median Home Value | $376,800 |
| Average Home Value | $474,711 |
Housing Distribution
Address Breakdown
Residential
2,683
Single Family
2,683
Multi-Family
0
Businesses
203
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
