42 Mobile RdCotullaTX78014
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 42 Mobile Rd, Cotulla, TX, 78014 in Cotulla. At $199,000 it earns $1,727/mo in rent and distributes $312/mo to the owner after the $895/mo payment, a consistent 10.41% yield. DSCR 1.93 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $54,980 in value; $1,833/yr in principal paydown compounds ownership stake. Total projected return: $96,318.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $312 | $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 | $1,727 |
| Total Monthly Debt Service | $1,336 |
| DSCR Ratio | 1.29x |
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.
Manufactured
Built in 1994
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78014, Cotulla, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,207 (100%) |
| Owner Occupied HU | 1,132 (51.3%) |
| Renter Occupied HU | 438 (19.8%) |
| Vacant Housing Units | 637 (28.9%) |
| Median Home Value | $104,835 |
| Average Home Value | $146,592 |
Housing Distribution
Address Breakdown
Residential
1,723
Single Family
1,648
Multi-Family
75
Businesses
273
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
Manufactured
Built in 1994
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78014, Cotulla, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,207 (100%) |
| Owner Occupied HU | 1,132 (51.3%) |
| Renter Occupied HU | 438 (19.8%) |
| Vacant Housing Units | 637 (28.9%) |
| Median Home Value | $104,835 |
| Average Home Value | $146,592 |
Housing Distribution
Address Breakdown
Residential
1,723
Single Family
1,648
Multi-Family
75
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices