315 Ohara DrPharrTX78577
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 315 Ohara Dr, Pharr, TX, 78577 in Pharr achieves a 1.54 ratio at $169,900: $1,176/mo rent versus $764/mo debt service. Rental yield 8.31%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.31% yield compounds alongside 5% annual appreciation projecting $46,940 in value. Total projected cumulative return: $63,063.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $(32) | $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 | $1,176 |
| Total Monthly Debt Service | $1,141 |
| DSCR Ratio | 1.03x |
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 1995
3,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78577, Pharr, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,728 (100%) |
| Owner Occupied HU | 15,997 (53.8%) |
| Renter Occupied HU | 9,877 (33.2%) |
| Vacant Housing Units | 3,854 (13.0%) |
| Median Home Value | $138,178 |
| Average Home Value | $174,875 |
Housing Distribution
Address Breakdown
Residential
27,906
Single Family
23,156
Multi-Family
4,750
Businesses
2,398
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 1995
3,998 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78577, Pharr, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 29,728 (100%) |
| Owner Occupied HU | 15,997 (53.8%) |
| Renter Occupied HU | 9,877 (33.2%) |
| Vacant Housing Units | 3,854 (13.0%) |
| Median Home Value | $138,178 |
| Average Home Value | $174,875 |
Housing Distribution
Address Breakdown
Residential
27,906
Single Family
23,156
Multi-Family
4,750
Businesses
2,398
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices