4361 S Congress Ave UNIT 236AustinTX78745
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt 1.70, 4361 S Congress Ave UNIT 236, Austin, TX, 78745 in Austin sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 8.3%. The 8.3% yield is backed by 5% annual appreciation projecting $69,844 in value gain, plus $2,328/yr in principal reduction. Total projected cumulative return: $94,377.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 4.5% |
| Monthly Cash Flow | $(867) | $1,850 |
City averages based on Austin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,936 |
| Total Monthly Debt Service | $1,888 |
| DSCR Ratio | 1.03x |
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.
Townhouse
Built in N/A
N/A 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
Townhouse
Built in N/A
N/A 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