402 Jones StTom BeanTX75489
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 402 Jones St, Tom Bean, TX, 75489 in Tom Bean. Rental yield 4.71%. At $260,000 with 4.71% gross yield, current distributions are modest, but the 5% appreciation rate projects $71,833 in new equity by year five, complemented by $2,395/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.87) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $46,317.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(829) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,020 |
| Total Monthly Debt Service | $1,745 |
| DSCR Ratio | 0.58x |
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 1976
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75489, Tom Bean, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 196 (100%) |
| Owner Occupied HU | 121 (61.7%) |
| Renter Occupied HU | 48 (24.5%) |
| Vacant Housing Units | 27 (13.8%) |
| Median Home Value | $284,722 |
| Average Home Value | $321,632 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
36
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 1976
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75489, Tom Bean, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 196 (100%) |
| Owner Occupied HU | 121 (61.7%) |
| Renter Occupied HU | 48 (24.5%) |
| Vacant Housing Units | 27 (13.8%) |
| Median Home Value | $284,722 |
| Average Home Value | $321,632 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices