4802 Claymill CtKatyTX77449
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4802 Claymill Ct, Katy, TX, 77449 in Katy at $290,000 earns $2,294/mo in rent and nets $175/mo after the $1,304/mo payment, a 9.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $80,122 over five years. Ziffy Mortgage underwrites this on a 1.76 DSCR without U.S. credit history. With $2,671/yr in principal paydown, total projected return reaches $126,068.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 5.8% |
| Monthly Cash Flow | $175 | $320 |
City averages based on Katy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,294 |
| Total Monthly Debt Service | $1,947 |
| DSCR Ratio | 1.18x |
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 2004
9,212 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77449, Katy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 46,204 (100%) |
| Owner Occupied HU | 29,727 (64.3%) |
| Renter Occupied HU | 14,352 (31.1%) |
| Vacant Housing Units | 2,125 ( 4.6%) |
| Median Home Value | $266,123 |
| Average Home Value | $298,870 |
Housing Distribution
Address Breakdown
Residential
45,273
Single Family
39,223
Multi-Family
6,050
Businesses
1,711
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 2004
9,212 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77449, Katy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 46,204 (100%) |
| Owner Occupied HU | 29,727 (64.3%) |
| Renter Occupied HU | 14,352 (31.1%) |
| Vacant Housing Units | 2,125 ( 4.6%) |
| Median Home Value | $266,123 |
| Average Home Value | $298,870 |
Housing Distribution
Address Breakdown
Residential
45,273
Single Family
39,223
Multi-Family
6,050
Businesses
1,711
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices