400 S Talley StWhite DeerTX79097
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.53 makes 400 S Talley St, White Deer, TX, 79097 in White Deer one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.26%. The 8.26% yield, 5% annual appreciation ($117,420 over five years), and $3,914/yr in principal reduction project a total cumulative return of $156,719.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $(95) | $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 | $2,927 |
| Total Monthly Debt Service | $2,853 |
| DSCR Ratio | 1.03x |
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 2019
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79097, White Deer, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 529 (100%) |
| Owner Occupied HU | 363 (68.6%) |
| Renter Occupied HU | 78 (14.7%) |
| Vacant Housing Units | 88 (16.6%) |
| Median Home Value | $192,905 |
| Average Home Value | $190,888 |
Housing Distribution
Address Breakdown
Residential
42
Single Family
42
Multi-Family
0
Businesses
46
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 2019
0.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79097, White Deer, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 529 (100%) |
| Owner Occupied HU | 363 (68.6%) |
| Renter Occupied HU | 78 (14.7%) |
| Vacant Housing Units | 88 (16.6%) |
| Median Home Value | $192,905 |
| Average Home Value | $190,888 |
Housing Distribution
Address Breakdown
Residential
42
Single Family
42
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: AMMLS
Mls ID: #26-2496