401 N White Oak StDodd CityTX75438
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 401 N White Oak St, Dodd City, TX, 75438 in Dodd City. Rental yield 6.89%. The 1.28 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $63,545 and $2,118/yr in principal reduction project total return of $67,894.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $(316) | $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 | $1,320 |
| Total Monthly Debt Service | $1,544 |
| DSCR Ratio | 0.85x |
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 2025
5,749 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75438, Dodd City, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 396 (100%) |
| Owner Occupied HU | 291 (73.5%) |
| Renter Occupied HU | 59 (14.9%) |
| Vacant Housing Units | 46 (11.6%) |
| Median Home Value | $239,583 |
| Average Home Value | $362,835 |
Housing Distribution
Address Breakdown
Residential
337
Single Family
337
Multi-Family
0
Businesses
13
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
5,749 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75438, Dodd City, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 396 (100%) |
| Owner Occupied HU | 291 (73.5%) |
| Renter Occupied HU | 59 (14.9%) |
| Vacant Housing Units | 46 (11.6%) |
| Median Home Value | $239,583 |
| Average Home Value | $362,835 |
Housing Distribution
Address Breakdown
Residential
337
Single Family
337
Multi-Family
0
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices