420 3 1/2 StLa JoyaTX78560
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 420 3 1/2 St, La Joya, TX, 78560 in La Joya: $1,595/mo in rent, $393/mo in net income, 11.32% gross yield, 2.10 DSCR, all at $169,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $46,692 in appreciation and $1,557/yr in principal paydown projects total cumulative return of $90,091.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $393 | $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 | $1,595 |
| Total Monthly Debt Service | $1,135 |
| DSCR Ratio | 1.41x |
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 2023
2,317 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78560, La Joya, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,987 (100%) |
| Owner Occupied HU | 1,206 (60.7%) |
| Renter Occupied HU | 554 (27.9%) |
| Vacant Housing Units | 227 (11.4%) |
| Median Home Value | $119,742 |
| Average Home Value | $138,978 |
Housing Distribution
Address Breakdown
Residential
1,558
Single Family
1,558
Multi-Family
0
Businesses
110
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 2023
2,317 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78560, La Joya, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,987 (100%) |
| Owner Occupied HU | 1,206 (60.7%) |
| Renter Occupied HU | 554 (27.9%) |
| Vacant Housing Units | 227 (11.4%) |
| Median Home Value | $119,742 |
| Average Home Value | $138,978 |
Housing Distribution
Address Breakdown
Residential
1,558
Single Family
1,558
Multi-Family
0
Businesses
110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices