40 Casper PlHilltop LakesTX77871
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 40 Casper Pl, Hilltop Lakes, TX, 77871 in Hilltop Lakes. Priced at $420,000, it generates $4,097/mo in gross rent and $960/mo in net monthly cash flow, a 11.68% yield that comfortably supports the 2.17 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,514. Five-year appreciation: $116,038. Equity from principal paydown: $3,868/yr. Total projected cumulative return: $223,885.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $960 | $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 | $4,097 |
| Total Monthly Debt Service | $2,961 |
| DSCR Ratio | 1.38x |
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 1998
0.84 Acres lot
$N/A/sqft
$141 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77871, Normangee, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,042 (100%) |
| Owner Occupied HU | 1,397 (68.4%) |
| Renter Occupied HU | 226 (11.1%) |
| Vacant Housing Units | 419 (20.5%) |
| Median Home Value | $262,165 |
| Average Home Value | $336,263 |
Housing Distribution
Address Breakdown
Residential
969
Single Family
969
Multi-Family
0
Businesses
95
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 1998
0.84 Acres lot
$N/A/sqft
$141 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77871, Normangee, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,042 (100%) |
| Owner Occupied HU | 1,397 (68.4%) |
| Renter Occupied HU | 226 (11.1%) |
| Vacant Housing Units | 419 (20.5%) |
| Median Home Value | $262,165 |
| Average Home Value | $336,263 |
Housing Distribution
Address Breakdown
Residential
969
Single Family
969
Multi-Family
0
Businesses
95
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Chase Neel • Neel & Associates Realty
Mls Name: BCSMLS
Mls Provider:
Mls ID: #25005216
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.