402 Cs Harmon RdHankamerTX77560
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 402 Cs Harmon Rd, Hankamer, TX, 77560 in Hankamer worth study. Rental yield 4.26%. The 4.26% gross yield is below cash-flow benchmarks at $1,390,000, but 5% annual appreciation, adding $384,031 over five years, frames this as a capital growth position. Rent of $4,938/mo partially offsets the $6,250/mo payment. Ziffy Mortgage finances appreciation-play properties (0.79 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $214,340.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(4,947) | $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 | $4,938 |
| Total Monthly Debt Service | $9,331 |
| DSCR Ratio | 0.53x |
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 1997
15.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77560, Hankamer, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 415 (100%) |
| Owner Occupied HU | 307 (74.0%) |
| Renter Occupied HU | 60 (14.5%) |
| Vacant Housing Units | 48 (11.6%) |
| Median Home Value | $322,321 |
| Average Home Value | $293,233 |
Housing Distribution
Address Breakdown
Residential
278
Single Family
278
Multi-Family
0
Businesses
23
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 1997
15.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77560, Hankamer, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 415 (100%) |
| Owner Occupied HU | 307 (74.0%) |
| Renter Occupied HU | 60 (14.5%) |
| Vacant Housing Units | 48 (11.6%) |
| Median Home Value | $322,321 |
| Average Home Value | $293,233 |
Housing Distribution
Address Breakdown
Residential
278
Single Family
278
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Parker Speer • United Real Estate
Mls Name: HAR
Mls Provider:
Mls ID: #24526968
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