409 Dogwood LnSomervilleTX77879
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 409 Dogwood Ln, Somerville, TX, 77879 in Somerville. Priced at $115,000, it generates $1,715/mo in gross rent and $746/mo in net monthly cash flow, a 15.83% yield that comfortably supports the 3.32 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,947. Five-year appreciation: $31,772. Equity from principal paydown: $1,059/yr. Total projected cumulative return: $101,855.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.8% | 6.2% |
| Monthly Cash Flow | $746 | $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 | $1,715 |
| Total Monthly Debt Service | $772 |
| DSCR Ratio | 2.22x |
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 1990
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77879, Somerville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,528 (100%) |
| Owner Occupied HU | 2,029 (57.5%) |
| Renter Occupied HU | 428 (12.1%) |
| Vacant Housing Units | 1,071 (30.4%) |
| Median Home Value | $146,744 |
| Average Home Value | $243,677 |
Housing Distribution
Address Breakdown
Residential
2,310
Single Family
2,310
Multi-Family
0
Businesses
135
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 1990
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77879, Somerville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,528 (100%) |
| Owner Occupied HU | 2,029 (57.5%) |
| Renter Occupied HU | 428 (12.1%) |
| Vacant Housing Units | 1,071 (30.4%) |
| Median Home Value | $146,744 |
| Average Home Value | $243,677 |
Housing Distribution
Address Breakdown
Residential
2,310
Single Family
2,310
Multi-Family
0
Businesses
135
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cynthia Stasny • The Stasny Real Estate Company
Mls Name: HAR
Mls ID: #4153104