3755 County Road 174GarrisonTX75946
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 3755 County Road 174, Garrison, TX, 75946 in Garrison is the 1.57 coverage ratio: rent of $1,549/mo versus a $989/mo debt payment on a $219,999 property. Rental yield 8.45%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $60,782 by year five, with $2,026/yr in equity from paydown. Total projected cumulative return: $83,354.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $(15) | $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 | $1,549 |
| Total Monthly Debt Service | $1,477 |
| DSCR Ratio | 1.05x |
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.
Manufactured
Built in N/A
3.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75946, Garrison, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,698 (100%) |
| Owner Occupied HU | 1,079 (63.5%) |
| Renter Occupied HU | 337 (19.8%) |
| Vacant Housing Units | 282 (16.6%) |
| Median Home Value | $191,776 |
| Average Home Value | $268,035 |
Housing Distribution
Address Breakdown
Residential
1,596
Single Family
1,596
Multi-Family
0
Businesses
59
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
Manufactured
Built in N/A
3.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75946, Garrison, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,698 (100%) |
| Owner Occupied HU | 1,079 (63.5%) |
| Renter Occupied HU | 337 (19.8%) |
| Vacant Housing Units | 282 (16.6%) |
| Median Home Value | $191,776 |
| Average Home Value | $268,035 |
Housing Distribution
Address Breakdown
Residential
1,596
Single Family
1,596
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephen Schlein • Mossy Oak Properties Of Texas - Woodland Pines Realty Group
Mls Name: Nacogdoches County BOR
Mls Provider:
Mls ID: #22401502
Disclaimer: Copyright Nacogdoches County Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.