4699 Fm 2319LoraineTX79532
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder4699 Fm 2319, Loraine, TX, 79532 in Loraine is a stable, well-positioned rental at $498,500. Rental yield 7.5%. DSCR 1.39 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $137,726 in value and $4,591/yr in principal paydown builds equity, a total projected return of $163,394.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $(429) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,116 |
| Total Monthly Debt Service | $3,347 |
| DSCR Ratio | 0.93x |
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 1938
157.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79532, Loraine, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 446 (100%) |
| Owner Occupied HU | 258 (57.8%) |
| Renter Occupied HU | 71 (15.9%) |
| Vacant Housing Units | 117 (26.2%) |
| Median Home Value | $117,308 |
| Average Home Value | $253,391 |
Housing Distribution
Address Breakdown
Residential
281
Single Family
281
Multi-Family
0
Businesses
16
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 1938
157.06 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79532, Loraine, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 446 (100%) |
| Owner Occupied HU | 258 (57.8%) |
| Renter Occupied HU | 71 (15.9%) |
| Vacant Housing Units | 117 (26.2%) |
| Median Home Value | $117,308 |
| Average Home Value | $253,391 |
Housing Distribution
Address Breakdown
Residential
281
Single Family
281
Multi-Family
0
Businesses
16
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
