4035 Merrick StHoustonTX77025
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4035 Merrick St, Houston, TX, 77025 in Houston worth study. Rental yield 1.45%. The 1.45% gross yield is below cash-flow benchmarks at $1,975,000, but 5% annual appreciation, adding $545,656 over five years, frames this as a capital growth position. Rent of $2,380/mo partially offsets the $8,881/mo payment. Ziffy Mortgage finances appreciation-play properties (0.27 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $6,214.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.5% | 6.2% |
| Monthly Cash Flow | $(11,665) | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,380 |
| Total Monthly Debt Service | $13,259 |
| DSCR Ratio | 0.18x |
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 2026
8,006 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77025, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,825 (100%) |
| Owner Occupied HU | 5,713 (34.0%) |
| Renter Occupied HU | 8,672 (51.5%) |
| Vacant Housing Units | 2,440 (14.5%) |
| Median Home Value | $560,714 |
| Average Home Value | $703,232 |
Housing Distribution
Address Breakdown
Residential
15,487
Single Family
7,493
Multi-Family
7,994
Businesses
695
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 2026
8,006 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77025, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,825 (100%) |
| Owner Occupied HU | 5,713 (34.0%) |
| Renter Occupied HU | 8,672 (51.5%) |
| Vacant Housing Units | 2,440 (14.5%) |
| Median Home Value | $560,714 |
| Average Home Value | $703,232 |
Housing Distribution
Address Breakdown
Residential
15,487
Single Family
7,493
Multi-Family
7,994
Businesses
695
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices