418 Oak LnLulingLA70070
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 418 Oak Ln, Luling, LA, 70070 in Luling. Priced at $315,000, it generates $2,814/mo in gross rent and $863/mo in net monthly cash flow, a 10.72% yield that comfortably supports the 1.88 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $10,353. Five-year appreciation: $87,029. Equity from principal paydown: $2,641/yr. Total projected cumulative return: $169,071.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 7.2% |
| Monthly Cash Flow | $863 | $350 |
City averages based on Luling market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,814 |
| Total Monthly Debt Service | $1,903 |
| DSCR Ratio | 1.48x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1974
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70070, Luling, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,140 (100%) |
| Owner Occupied HU | 4,128 (80.3%) |
| Renter Occupied HU | 745 (14.5%) |
| Vacant Housing Units | 267 ( 5.2%) |
| Median Home Value | $279,934 |
| Average Home Value | $317,216 |
Housing Distribution
Address Breakdown
Residential
4,738
Single Family
4,738
Multi-Family
0
Businesses
297
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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
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Nearby investment properties with comparable prices
