3212 Malcolm RdMelissaTX75454
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 3212 Malcolm Rd, Melissa, TX, 75454 in Melissa. Priced at $530,000, it generates $5,532/mo in gross rent and $1,663/mo in net monthly cash flow, a 12.53% yield that comfortably supports the 2.32 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,957. Five-year appreciation: $146,429. Equity from principal paydown: $4,881/yr. Total projected cumulative return: $310,598.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 6.2% |
| Monthly Cash Flow | $1,663 | $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 | $5,532 |
| Total Monthly Debt Service | $3,658 |
| DSCR Ratio | 1.51x |
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 2023
8,712 sqft lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75454, Melissa, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,378 (100%) |
| Owner Occupied HU | 7,662 (81.7%) |
| Renter Occupied HU | 1,094 (11.7%) |
| Vacant Housing Units | 622 ( 6.6%) |
| Median Home Value | $562,846 |
| Average Home Value | $591,690 |
Housing Distribution
Address Breakdown
Residential
7,880
Single Family
7,524
Multi-Family
356
Businesses
319
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 2023
8,712 sqft lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75454, Melissa, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,378 (100%) |
| Owner Occupied HU | 7,662 (81.7%) |
| Renter Occupied HU | 1,094 (11.7%) |
| Vacant Housing Units | 622 ( 6.6%) |
| Median Home Value | $562,846 |
| Average Home Value | $591,690 |
Housing Distribution
Address Breakdown
Residential
7,880
Single Family
7,524
Multi-Family
356
Businesses
319
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices