413 Harris StNacogdochesTX75964
INVESTMENT ANALYSIS
Investment Verdict
Solid Income413 Harris St, Nacogdoches, TX, 75964 in Nacogdoches earns a respectable 9.57% gross yield at $115,000, but after the $517/mo mortgage the net cash flow is $99/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.77) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $31,772 over five years, making equity the dominant return driver. Total projected return: $50,507.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $99 | $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 | $917 |
| Total Monthly Debt Service | $772 |
| DSCR Ratio | 1.19x |
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 N/A
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75964, Nacogdoches, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,318 (100%) |
| Owner Occupied HU | 4,608 (55.4%) |
| Renter Occupied HU | 2,748 (33.0%) |
| Vacant Housing Units | 962 (11.6%) |
| Median Home Value | $164,655 |
| Average Home Value | $214,953 |
Housing Distribution
Address Breakdown
Residential
8,227
Single Family
7,787
Multi-Family
440
Businesses
467
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 N/A
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75964, Nacogdoches, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,318 (100%) |
| Owner Occupied HU | 4,608 (55.4%) |
| Renter Occupied HU | 2,748 (33.0%) |
| Vacant Housing Units | 962 (11.6%) |
| Median Home Value | $164,655 |
| Average Home Value | $214,953 |
Housing Distribution
Address Breakdown
Residential
8,227
Single Family
7,787
Multi-Family
440
Businesses
467
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steven Arreguin • Living Texas Realty Group
Mls Name: Nacogdoches County BOR
Mls Provider:
Mls ID: #22501387
Disclaimer: Copyright Nacogdoches County Board of Realtors. All rights reserved. Information is deemed reliable but not guaranteed.