3546 Blue Mockingbird StKatyTX77494
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3546 Blue Mockingbird St, Katy, TX, 77494 in Katy: $2,760/mo in rent, $308/mo in net income, 9.61% gross yield, 1.78 DSCR, all at $344,800. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $95,262 in appreciation and $3,176/yr in principal paydown projects total cumulative return of $151,995.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.8% |
| Monthly Cash Flow | $308 | $320 |
City averages based on Katy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.19x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77494, Katy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 51,600 (100%) |
| Owner Occupied HU | 34,369 (66.6%) |
| Renter Occupied HU | 14,379 (27.9%) |
| Vacant Housing Units | 2,852 ( 5.5%) |
| Median Home Value | $489,545 |
| Average Home Value | $538,775 |
Housing Distribution
Address Breakdown
Residential
49,087
Single Family
38,473
Multi-Family
10,614
Businesses
2,819
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77494, Katy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 51,600 (100%) |
| Owner Occupied HU | 34,369 (66.6%) |
| Renter Occupied HU | 14,379 (27.9%) |
| Vacant Housing Units | 2,852 ( 5.5%) |
| Median Home Value | $489,545 |
| Average Home Value | $538,775 |
Housing Distribution
Address Breakdown
Residential
49,087
Single Family
38,473
Multi-Family
10,614
Businesses
2,819
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
