320 Sun Harvest DrRoyse CityTX75189
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 320 Sun Harvest Dr, Royse City, TX, 75189 in Royse City is narrow, $131/mo net on $2,372/mo rent after the $1,394/mo debt service, but the property operates at break-even-plus, not a loss. At $309,900 with a 9.19% yield, the long-run equity case via 5% appreciation ($85,620 over five years) and $2,854/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $127,323.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $131 | $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 | $2,372 |
| Total Monthly Debt Service | $2,118 |
| DSCR Ratio | 1.12x |
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
7,013 sqft lot
$N/A/sqft
$225 semi-annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75189, Royse City, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,871 (100%) |
| Owner Occupied HU | 18,051 (86.5%) |
| Renter Occupied HU | 1,937 ( 9.3%) |
| Vacant Housing Units | 883 ( 4.2%) |
| Median Home Value | $366,037 |
| Average Home Value | $408,538 |
Housing Distribution
Address Breakdown
Residential
19,440
Single Family
19,006
Multi-Family
434
Businesses
690
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
7,013 sqft lot
$N/A/sqft
$225 semi-annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75189, Royse City, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,871 (100%) |
| Owner Occupied HU | 18,051 (86.5%) |
| Renter Occupied HU | 1,937 ( 9.3%) |
| Vacant Housing Units | 883 ( 4.2%) |
| Median Home Value | $366,037 |
| Average Home Value | $408,538 |
Housing Distribution
Address Breakdown
Residential
19,440
Single Family
19,006
Multi-Family
434
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: William Nelson • Century Communities
Mls Name: NTREIS
Mls ID: #21065578
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.