4315 S Congress Ave #318, Austin, TX, 78745 | $124/mo Cash Flow

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4315 S Congress Ave #318, Austin, TX, 78745 | $124/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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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Investment Highlights

Rental property for sale in Austin at 4315 S Congress Ave #318, Austin, TX, 78745 generates $1,190/mo in rent and, after a $734/mo payment, leaves $124/mo in cash flow. Total monthly income is $1,190/mo, and annual cash flow is $1,482/yr on $49,725 invested. Return on cash invested sits at 22.89% in year one, and rental yield is 9.52% on a $150,000 entry. Equity gained on principal adds $968/yr, while 5% annual appreciation builds toward $41,442 over five years. Five-year ROI reaches 120.1% and total cumulative return in cash sums $59,718. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $1,190/mo property income rather than buyer’s personal income.

Condo

Built in 2023

270.07 sqft lot

$N/A/sqft

No HOA

More details about the property

Discover modern living in the heart of Austin with the Congress Lofts at St. Elmo. Pricing for these stylish studio lofts starts at $150,000, making homeownership attainable and affordable. Located on the vibrant South Congress Avenue and within the heart of the St. Elmo Arts District, youll be just steps away from eclectic local shops, creative restaurants, and lively entertainment. Enjoy the best of Austin city life right at your doorstep! Congress Lofts at St. Elmo offers more than just a prime location. Indulge in luxurious amenities such as a stunning courtyard with a pool, an outdoor kitchen, and multiple resident lounges, designed for those who appreciate comfort and convenience without stretching their budget. Dont miss out on this unique opportunity to live in affordable luxury. This condo is part of the City of Austin's Affordable Housing Program, available to income-eligible buyers ONLY at 80 % MFI.

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