4750 Private Road 3915GregoryTX78359
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play4750 Private Road 3915, Gregory, TX, 78359 in Gregory is priced for appreciation, not yield. Rental yield 5.25%. At $579,000 with a 5.25% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $159,967 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.92) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $109,027.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.2% |
| Monthly Cash Flow | $(1,584) | $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 | $2,533 |
| Total Monthly Debt Service | $4,028 |
| DSCR Ratio | 0.63x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1938
10.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78359, Gregory, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 533 (100%) |
| Owner Occupied HU | 288 (54.0%) |
| Renter Occupied HU | 179 (33.6%) |
| Vacant Housing Units | 66 (12.4%) |
| Median Home Value | $154,717 |
| Average Home Value | $157,387 |
Housing Distribution
Address Breakdown
Residential
5
Single Family
5
Multi-Family
0
Businesses
48
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
