3316 Amity LnRichmondTX77406
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 3316 Amity Ln, Richmond, TX, 77406 in Richmond offers it: the 1.81 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 9.74%. Long-term, 5% appreciation is forecast to add $116,360, and $3,879/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $82,212.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.5% |
| Monthly Cash Flow | $(1,351) | $285 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,420 |
| Total Monthly Debt Service | $4,603 |
| DSCR Ratio | 0.74x |
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 2026
3,598 sqft lot
$N/A/sqft
$1,776 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77406, Richmond, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,399 (100%) |
| Owner Occupied HU | 20,904 (79.2%) |
| Renter Occupied HU | 3,892 (14.7%) |
| Vacant Housing Units | 1,603 ( 6.1%) |
| Median Home Value | $456,400 |
| Average Home Value | $519,922 |
Housing Distribution
Address Breakdown
Residential
23,639
Single Family
21,386
Multi-Family
2,253
Businesses
1,062
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 2026
3,598 sqft lot
$N/A/sqft
$1,776 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77406, Richmond, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,399 (100%) |
| Owner Occupied HU | 20,904 (79.2%) |
| Renter Occupied HU | 3,892 (14.7%) |
| Vacant Housing Units | 1,603 ( 6.1%) |
| Median Home Value | $456,400 |
| Average Home Value | $519,922 |
Housing Distribution
Address Breakdown
Residential
23,639
Single Family
21,386
Multi-Family
2,253
Businesses
1,062
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dina Verteramo • Highland Homes Realty
Mls Name: HAR
Mls Provider:
Mls ID: #75171196
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