424 Shepard LnLovingTX76460
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeCapital preservation and steady income define 424 Shepard Ln, Loving, TX, 76460 in Loving. Rental yield 8.04%. The 1.49 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $103,606 and $3,454/yr in principal reduction project total return of $133,772.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $(155) | $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 | $2,512 |
| Total Monthly Debt Service | $2,517 |
| DSCR Ratio | 1.00x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2000
7.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76460, Loving, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 206 (100%) |
| Owner Occupied HU | 164 (79.6%) |
| Renter Occupied HU | 15 ( 7.3%) |
| Vacant Housing Units | 27 (13.1%) |
| Median Home Value | $228,125 |
| Average Home Value | $207,744 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
15
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 2000
7.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76460, Loving, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 206 (100%) |
| Owner Occupied HU | 164 (79.6%) |
| Renter Occupied HU | 15 ( 7.3%) |
| Vacant Housing Units | 27 (13.1%) |
| Median Home Value | $228,125 |
| Average Home Value | $207,744 |
Housing Distribution
Address Breakdown
Residential
145
Single Family
145
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sandy Oxford • The Property Shop
Mls Name: NTREIS
Mls ID: #20907260
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.