318 E Wallace StSan SabaTX76877
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 318 E Wallace St, San Saba, TX, 76877 in San Saba. Rental yield 0.88%. At $595,000 with 0.88% gross yield, current distributions are modest, but the 5% appreciation rate projects $164,388 in new equity by year five, complemented by $5,480/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.16) allows non-U.S. residents to acquire without W-2s or domestic credit.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0.9% | 6.2% |
| Monthly Cash Flow | $(3,793) | $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 | $438 |
| Total Monthly Debt Service | $3,994 |
| DSCR Ratio | 0.11x |
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 N/A
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76877, San Saba, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,041 (100%) |
| Owner Occupied HU | 1,166 (57.1%) |
| Renter Occupied HU | 421 (20.6%) |
| Vacant Housing Units | 454 (22.2%) |
| Median Home Value | $167,485 |
| Average Home Value | $351,910 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,691
Multi-Family
0
Businesses
305
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 N/A
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76877, San Saba, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,041 (100%) |
| Owner Occupied HU | 1,166 (57.1%) |
| Renter Occupied HU | 421 (20.6%) |
| Vacant Housing Units | 454 (22.2%) |
| Median Home Value | $167,485 |
| Average Home Value | $351,910 |
Housing Distribution
Address Breakdown
Residential
1,691
Single Family
1,691
Multi-Family
0
Businesses
305
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices