434 N Hutcheson StHoustonTX77003
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 434 N Hutcheson St, Houston, TX, 77003 in Houston is a conservative rental investment at $199,900. Rental yield 7.36%. A 1.36 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $55,229; $1,841/yr in principal paydown supplements. Total projected return: $64,010.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $(195) | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,226 |
| Total Monthly Debt Service | $1,342 |
| DSCR Ratio | 0.91x |
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 1949
6,459 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77003, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,860 (35.2%) |
| Renter Occupied HU | 3,800 (46.8%) |
| Vacant Housing Units | 1,468 (18.1%) |
| Median Home Value | $374,465 |
| Average Home Value | $405,495 |
Housing Distribution
Address Breakdown
Residential
6,521
Single Family
4,577
Multi-Family
1,944
Businesses
763
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 1949
6,459 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77003, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,128 (100%) |
| Owner Occupied HU | 2,860 (35.2%) |
| Renter Occupied HU | 3,800 (46.8%) |
| Vacant Housing Units | 1,468 (18.1%) |
| Median Home Value | $374,465 |
| Average Home Value | $405,495 |
Housing Distribution
Address Breakdown
Residential
6,521
Single Family
4,577
Multi-Family
1,944
Businesses
763
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices