332 Harris StItalyTX76651
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $105,000, 332 Harris St, Italy, TX, 76651 in Italy generates $812/mo in rent (9.28% yield) but nets only $65/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.72) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $29,010. Total projected return: $44,487.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $65 | $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 | $812 |
| Total Monthly Debt Service | $705 |
| DSCR Ratio | 1.15x |
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 1944
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76651, Italy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,300 (100%) |
| Owner Occupied HU | 843 (64.8%) |
| Renter Occupied HU | 359 (27.6%) |
| Vacant Housing Units | 98 ( 7.5%) |
| Median Home Value | $294,492 |
| Average Home Value | $395,569 |
Housing Distribution
Address Breakdown
Residential
1,103
Single Family
1,103
Multi-Family
0
Businesses
78
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 1944
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76651, Italy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,300 (100%) |
| Owner Occupied HU | 843 (64.8%) |
| Renter Occupied HU | 359 (27.6%) |
| Vacant Housing Units | 98 ( 7.5%) |
| Median Home Value | $294,492 |
| Average Home Value | $395,569 |
Housing Distribution
Address Breakdown
Residential
1,103
Single Family
1,103
Multi-Family
0
Businesses
78
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ricky Vasquez • Monument Realty
Mls Name: NTREIS
Mls ID: #20972658
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.