3718 White Rock CirHarlingenTX78552
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 3718 White Rock Cir, Harlingen, TX, 78552 in Harlingen is a conservative rental investment at $545,000. Rental yield 6.08%. A 1.13 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $150,573; $5,020/yr in principal paydown supplements. Total projected return: $137,036.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.2% |
| Monthly Cash Flow | $(1,116) | $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 | $2,760 |
| Total Monthly Debt Service | $3,659 |
| DSCR Ratio | 0.75x |
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 2024
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78552, Harlingen, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,154 (100%) |
| Owner Occupied HU | 10,887 (67.4%) |
| Renter Occupied HU | 3,097 (19.2%) |
| Vacant Housing Units | 2,170 (13.4%) |
| Median Home Value | $200,940 |
| Average Home Value | $229,638 |
Housing Distribution
Address Breakdown
Residential
13,840
Single Family
13,132
Multi-Family
708
Businesses
622
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 2024
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78552, Harlingen, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,154 (100%) |
| Owner Occupied HU | 10,887 (67.4%) |
| Renter Occupied HU | 3,097 (19.2%) |
| Vacant Housing Units | 2,170 (13.4%) |
| Median Home Value | $200,940 |
| Average Home Value | $229,638 |
Housing Distribution
Address Breakdown
Residential
13,840
Single Family
13,132
Multi-Family
708
Businesses
622
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tracey McClaugherty • SPI Realty
Mls Name: SPIBOR
Mls ID: #103602
Disclaimer: Information provided by South Padre Island BOR is deemed reliable but not guaranteed. South Padre Island BOR data is for personal, non-commercial use only and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.