449 W Fm 837MontalbaTX75853
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 449 W Fm 837, Montalba, TX, 75853 in Montalba fits: $1,695,000, 1.34% gross yield, and a projected 5% annual appreciation rate adding $468,297 in value within five years. Rental yield 1.34%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.25) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.3% | 6.2% |
| Monthly Cash Flow | $(10,160) | $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 | $1,894 |
| Total Monthly Debt Service | $11,379 |
| DSCR Ratio | 0.17x |
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 2016
85.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75853, Montalba, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 477 (100%) |
| Owner Occupied HU | 329 (69.0%) |
| Renter Occupied HU | 82 (17.2%) |
| Vacant Housing Units | 66 (13.8%) |
| Median Home Value | $242,416 |
| Average Home Value | $301,231 |
Housing Distribution
Address Breakdown
Residential
427
Single Family
427
Multi-Family
0
Businesses
34
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 2016
85.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75853, Montalba, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 477 (100%) |
| Owner Occupied HU | 329 (69.0%) |
| Renter Occupied HU | 82 (17.2%) |
| Vacant Housing Units | 66 (13.8%) |
| Median Home Value | $242,416 |
| Average Home Value | $301,231 |
Housing Distribution
Address Breakdown
Residential
427
Single Family
427
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices