34 New Oak Trl SHumbleTX77346
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 34 New Oak Trl S, Humble, TX, 77346 in Humble worth study. Rental yield 4.16%. The 4.16% gross yield is below cash-flow benchmarks at $1,349,000, but 5% annual appreciation, adding $372,704 over five years, frames this as a capital growth position. Rent of $4,677/mo partially offsets the $6,066/mo payment. Ziffy Mortgage finances appreciation-play properties (0.77 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $182,276.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 5.2% |
| Monthly Cash Flow | $(5,221) | $1,200 |
City averages based on Humble market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,677 |
| Total Monthly Debt Service | $9,361 |
| DSCR Ratio | 0.50x |
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 2011
0.66 Acres lot
$N/A/sqft
$3,660 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77346, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,062 (100%) |
| Owner Occupied HU | 21,333 (71.0%) |
| Renter Occupied HU | 6,907 (23.0%) |
| Vacant Housing Units | 1,822 ( 6.1%) |
| Median Home Value | $331,060 |
| Average Home Value | $359,548 |
Housing Distribution
Address Breakdown
Residential
28,895
Single Family
24,706
Multi-Family
4,189
Businesses
846
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 2011
0.66 Acres lot
$N/A/sqft
$3,660 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77346, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,062 (100%) |
| Owner Occupied HU | 21,333 (71.0%) |
| Renter Occupied HU | 6,907 (23.0%) |
| Vacant Housing Units | 1,822 ( 6.1%) |
| Median Home Value | $331,060 |
| Average Home Value | $359,548 |
Housing Distribution
Address Breakdown
Residential
28,895
Single Family
24,706
Multi-Family
4,189
Businesses
846
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bryan Followell • Great Western Realty
Mls Name: HAR
Mls Provider:
Mls ID: #91726661
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