3205 Whites DrAustinTX78735
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 3205 Whites Dr, Austin, TX, 78735 in Austin at $520,000, 5.57% gross yield, is a market-growth asset. Rental yield 5.57%. The $2,781/mo rent partially funds the $2,338/mo debt service; the core return is the 5%/yr price growth projected to add $143,666 over five years. Ziffy Mortgage's DSCR mortgage (1.19) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $140,298.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 4.5% |
| Monthly Cash Flow | $(1,538) | $1,850 |
City averages based on Austin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,781 |
| Total Monthly Debt Service | $3,491 |
| DSCR Ratio | 0.80x |
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 1962
9,361 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78735, Austin, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,118 (100%) |
| Owner Occupied HU | 4,009 (39.6%) |
| Renter Occupied HU | 5,480 (54.2%) |
| Vacant Housing Units | 629 ( 6.2%) |
| Median Home Value | $878,102 |
| Average Home Value | $1,077,110 |
Housing Distribution
Address Breakdown
Residential
10,517
Single Family
5,945
Multi-Family
4,572
Businesses
795
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 1962
9,361 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78735, Austin, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,118 (100%) |
| Owner Occupied HU | 4,009 (39.6%) |
| Renter Occupied HU | 5,480 (54.2%) |
| Vacant Housing Units | 629 ( 6.2%) |
| Median Home Value | $878,102 |
| Average Home Value | $1,077,110 |
Housing Distribution
Address Breakdown
Residential
10,517
Single Family
5,945
Multi-Family
4,572
Businesses
795
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices