48 County Rd SW #3030Mount VernonTX75457
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 48 County Rd SW #3030, Mount Vernon, TX, 75457 in Mount Vernon. Priced at $299,000, it generates $2,858/mo in gross rent and $732/mo in net monthly cash flow, a 11.47% yield that comfortably supports the 2.13 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,786. Five-year appreciation: $82,608. Equity from principal paydown: $2,754/yr. Total projected cumulative return: $161,748.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.2% |
| Monthly Cash Flow | $732 | $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 | $2,858 |
| Total Monthly Debt Service | $2,007 |
| DSCR Ratio | 1.42x |
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 1965
4.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75457, Mount Vernon, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,078 (100%) |
| Owner Occupied HU | 1,841 (59.8%) |
| Renter Occupied HU | 667 (21.7%) |
| Vacant Housing Units | 570 (18.5%) |
| Median Home Value | $287,695 |
| Average Home Value | $355,964 |
Housing Distribution
Address Breakdown
Residential
2,695
Single Family
2,695
Multi-Family
0
Businesses
292
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 1965
4.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75457, Mount Vernon, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,078 (100%) |
| Owner Occupied HU | 1,841 (59.8%) |
| Renter Occupied HU | 667 (21.7%) |
| Vacant Housing Units | 570 (18.5%) |
| Median Home Value | $287,695 |
| Average Home Value | $355,964 |
Housing Distribution
Address Breakdown
Residential
2,695
Single Family
2,695
Multi-Family
0
Businesses
292
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices