437 Lumbermans RdOnalaskaTX77360
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 437 Lumbermans Rd, Onalaska, TX, 77360 in Onalaska at $100,000 earns $769/mo in rent and nets $74/mo after the $450/mo payment, a 9.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $27,628 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $921/yr in principal paydown, total projected return reaches $41,705.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $74 | $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 | $769 |
| Total Monthly Debt Service | $678 |
| DSCR Ratio | 1.13x |
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.
Single Family
Built in 2015
0.76 Acres lot
$N/A/sqft
$75 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77360, Onalaska, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,765 (100%) |
| Owner Occupied HU | 2,133 (56.7%) |
| Renter Occupied HU | 517 (13.7%) |
| Vacant Housing Units | 1,115 (29.6%) |
| Median Home Value | $156,563 |
| Average Home Value | $203,833 |
Housing Distribution
Address Breakdown
Residential
2,400
Single Family
2,392
Multi-Family
8
Businesses
152
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 2015
0.76 Acres lot
$N/A/sqft
$75 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77360, Onalaska, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,765 (100%) |
| Owner Occupied HU | 2,133 (56.7%) |
| Renter Occupied HU | 517 (13.7%) |
| Vacant Housing Units | 1,115 (29.6%) |
| Median Home Value | $156,563 |
| Average Home Value | $203,833 |
Housing Distribution
Address Breakdown
Residential
2,400
Single Family
2,392
Multi-Family
8
Businesses
152
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Terri Beight • Premier Property Group
Mls Name: HAR
Mls Provider:
Mls ID: #47539809
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