4307 S 1st St APT 101AustinTX78745
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4307 S 1st St APT 101, Austin, TX, 78745 in Austin at $319,000 earns $2,450/mo in rent and nets $182/mo after the $1,434/mo payment, a 9.22% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,134 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $2,938/yr in principal paydown, total projected return reaches $133,947.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 4.5% |
| Monthly Cash Flow | $182 | $1,850 |
City averages based on Austin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,450 |
| Total Monthly Debt Service | $2,142 |
| DSCR Ratio | 1.14x |
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.
Condo
Built in 1982
2,962 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78745, Austin, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,423 (100%) |
| Owner Occupied HU | 12,674 (41.7%) |
| Renter Occupied HU | 15,947 (52.4%) |
| Vacant Housing Units | 1,802 ( 5.9%) |
| Median Home Value | $533,609 |
| Average Home Value | $591,818 |
Housing Distribution
Address Breakdown
Residential
31,391
Single Family
20,135
Multi-Family
11,256
Businesses
1,728
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
Condo
Built in 1982
2,962 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78745, Austin, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,423 (100%) |
| Owner Occupied HU | 12,674 (41.7%) |
| Renter Occupied HU | 15,947 (52.4%) |
| Vacant Housing Units | 1,802 ( 5.9%) |
| Median Home Value | $533,609 |
| Average Home Value | $591,818 |
Housing Distribution
Address Breakdown
Residential
31,391
Single Family
20,135
Multi-Family
11,256
Businesses
1,728
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices