4106 Fm 274RavennaTX75476
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4106 Fm 274, Ravenna, TX, 75476 in Ravenna is narrow, $156/mo net on $2,124/mo rent after the $1,244/mo debt service, but the property operates at break-even-plus, not a loss. At $276,710 with a 9.21% yield, the long-run equity case via 5% appreciation ($76,450 over five years) and $2,549/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $116,112.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $156 | $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 | $2,124 |
| Total Monthly Debt Service | $1,858 |
| DSCR Ratio | 1.14x |
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.
Home Type Unknown
Built in 2021
15.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75476, Ravenna, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 591 (100%) |
| Owner Occupied HU | 462 (78.2%) |
| Renter Occupied HU | 46 ( 7.8%) |
| Vacant Housing Units | 83 (14.0%) |
| Median Home Value | $241,667 |
| Average Home Value | $283,620 |
Housing Distribution
Address Breakdown
Residential
581
Single Family
581
Multi-Family
0
Businesses
25
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
Home Type Unknown
Built in 2021
15.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75476, Ravenna, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 591 (100%) |
| Owner Occupied HU | 462 (78.2%) |
| Renter Occupied HU | 46 ( 7.8%) |
| Vacant Housing Units | 83 (14.0%) |
| Median Home Value | $241,667 |
| Average Home Value | $283,620 |
Housing Distribution
Address Breakdown
Residential
581
Single Family
581
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices