4115 Chartres StHoustonTX77004
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4115 Chartres St, Houston, TX, 77004 in Houston: $3,988/mo in rent, $374/mo in net income, 9.79% gross yield, 1.81 DSCR, all at $488,990. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $135,099 in appreciation and $4,504/yr in principal paydown projects total cumulative return of $220,284.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $374 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,988 |
| Total Monthly Debt Service | $3,283 |
| DSCR Ratio | 1.21x |
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.
Townhouse
Built in 2016
2,487 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77004, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,427 (100%) |
| Owner Occupied HU | 5,165 (26.6%) |
| Renter Occupied HU | 10,836 (55.8%) |
| Vacant Housing Units | 3,426 (17.6%) |
| Median Home Value | $411,742 |
| Average Home Value | $446,849 |
Housing Distribution
Address Breakdown
Residential
17,148
Single Family
10,181
Multi-Family
6,967
Businesses
1,153
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
Townhouse
Built in 2016
2,487 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77004, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,427 (100%) |
| Owner Occupied HU | 5,165 (26.6%) |
| Renter Occupied HU | 10,836 (55.8%) |
| Vacant Housing Units | 3,426 (17.6%) |
| Median Home Value | $411,742 |
| Average Home Value | $446,849 |
Housing Distribution
Address Breakdown
Residential
17,148
Single Family
10,181
Multi-Family
6,967
Businesses
1,153
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices