435 Cross BarnBudaTX78610
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 435 Cross Barn, Buda, TX, 78610 in Buda is capital appreciation. Rental yield 4.17%. The 4.17% gross yield at $623,500 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $172,262 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.77) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $92,889.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 6.2% |
| Monthly Cash Flow | $(2,352) | $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 | $2,165 |
| Total Monthly Debt Service | $4,186 |
| DSCR Ratio | 0.52x |
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.
Multi Family
Built in 2025
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78610, Buda, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,316 (100%) |
| Owner Occupied HU | 15,004 (73.9%) |
| Renter Occupied HU | 4,422 (21.8%) |
| Vacant Housing Units | 890 ( 4.4%) |
| Median Home Value | $422,703 |
| Average Home Value | $485,676 |
Housing Distribution
Address Breakdown
Residential
18,727
Single Family
16,824
Multi-Family
1,903
Businesses
1,255
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
Multi Family
Built in 2025
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78610, Buda, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,316 (100%) |
| Owner Occupied HU | 15,004 (73.9%) |
| Renter Occupied HU | 4,422 (21.8%) |
| Vacant Housing Units | 890 ( 4.4%) |
| Median Home Value | $422,703 |
| Average Home Value | $485,676 |
Housing Distribution
Address Breakdown
Residential
18,727
Single Family
16,824
Multi-Family
1,903
Businesses
1,255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices