406 Lotto LnEdinburgTX78541
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 406 Lotto Ln, Edinburg, TX, 78541 in Edinburg worth study. Rental yield 3.99%. The 3.99% gross yield is below cash-flow benchmarks at $355,000, but 5% annual appreciation, adding $98,080 over five years, frames this as a capital growth position. Rent of $1,180/mo partially offsets the $1,596/mo payment. Ziffy Mortgage finances appreciation-play properties (0.74 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $36,377.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.2% |
| Monthly Cash Flow | $(1,565) | $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 | $1,180 |
| Total Monthly Debt Service | $2,603 |
| DSCR Ratio | 0.45x |
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.
Multi Family
Built in 2013
9,544 sqft lot
$N/A/sqft
No HOA
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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
Multi Family
Built in 2013
9,544 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices