3226 Banyan DrSanta FeTX77510
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3226 Banyan Dr, Santa Fe, TX, 77510 in Santa Fe at $413,900 earns $3,222/mo in rent and nets $160/mo after the $1,861/mo payment, a 9.34% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $114,353 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $3,812/yr in principal paydown, total projected return reaches $169,418.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $160 | $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 | $3,222 |
| Total Monthly Debt Service | $2,897 |
| DSCR Ratio | 1.11x |
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
7,200 sqft lot
$N/A/sqft
$1,424 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77510, Santa Fe, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,394 (100%) |
| Owner Occupied HU | 4,922 (77.0%) |
| Renter Occupied HU | 1,123 (17.6%) |
| Vacant Housing Units | 349 ( 5.5%) |
| Median Home Value | $356,061 |
| Average Home Value | $376,350 |
Housing Distribution
Address Breakdown
Residential
5,951
Single Family
5,589
Multi-Family
362
Businesses
407
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
7,200 sqft lot
$N/A/sqft
$1,424 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77510, Santa Fe, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,394 (100%) |
| Owner Occupied HU | 4,922 (77.0%) |
| Renter Occupied HU | 1,123 (17.6%) |
| Vacant Housing Units | 349 ( 5.5%) |
| Median Home Value | $356,061 |
| Average Home Value | $376,350 |
Housing Distribution
Address Breakdown
Residential
5,951
Single Family
5,589
Multi-Family
362
Businesses
407
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jack Lipar • LGI Homes
Mls Name: HAR
Mls Provider:
Mls ID: #5482967
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