406 E Main StLadoniaTX75449
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $124,900, 406 E Main St, Ladonia, TX, 75449 in Ladonia generates $1,039/mo in rent (9.98% yield) but nets only $151/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.85) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $34,508. Total projected return: $57,586.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $151 | $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 | $1,039 |
| Total Monthly Debt Service | $838 |
| DSCR Ratio | 1.24x |
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 1890
4.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75449, Ladonia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 670 (100%) |
| Owner Occupied HU | 399 (59.6%) |
| Renter Occupied HU | 112 (16.7%) |
| Vacant Housing Units | 159 (23.7%) |
| Median Home Value | $222,024 |
| Average Home Value | $328,784 |
Housing Distribution
Address Breakdown
Residential
497
Single Family
497
Multi-Family
0
Businesses
33
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 1890
4.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75449, Ladonia, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 670 (100%) |
| Owner Occupied HU | 399 (59.6%) |
| Renter Occupied HU | 112 (16.7%) |
| Vacant Housing Units | 159 (23.7%) |
| Median Home Value | $222,024 |
| Average Home Value | $328,784 |
Housing Distribution
Address Breakdown
Residential
497
Single Family
497
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kris Dolezel • Anchor Realty
Mls Name: NTREIS
Mls ID: #20667128
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.