3506 Prudence DrHoustonTX77045
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3506 Prudence Dr, Houston, TX, 77045 in Houston at $149,999 earns $1,160/mo in rent and nets $27/mo after the $674/mo payment, a 9.28% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,442 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,382/yr in principal paydown, total projected return reaches $59,588.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $27 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,160 |
| Total Monthly Debt Service | $1,073 |
| DSCR Ratio | 1.08x |
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 1968
6,490 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77045, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,692 (100%) |
| Owner Occupied HU | 6,933 (59.3%) |
| Renter Occupied HU | 4,164 (35.6%) |
| Vacant Housing Units | 595 ( 5.1%) |
| Median Home Value | $169,660 |
| Average Home Value | $221,768 |
Housing Distribution
Address Breakdown
Residential
11,871
Single Family
9,529
Multi-Family
2,342
Businesses
965
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 1968
6,490 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77045, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,692 (100%) |
| Owner Occupied HU | 6,933 (59.3%) |
| Renter Occupied HU | 4,164 (35.6%) |
| Vacant Housing Units | 595 ( 5.1%) |
| Median Home Value | $169,660 |
| Average Home Value | $221,768 |
Housing Distribution
Address Breakdown
Residential
11,871
Single Family
9,529
Multi-Family
2,342
Businesses
965
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tili Capistran • Intero River Oaks Office
Mls Name: HAR
Mls Provider:
Mls ID: #8546459
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