495 N Main StDetroitTX75436
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 495 N Main St, Detroit, TX, 75436 in Detroit deserves attention. This $169,000 property earns $2,436/mo in rent, a 17.3% gross yield, and nets $1,234/mo after the $760/mo payment. DSCR 3.21 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $46,692 compounds alongside $1,557/yr in yearly equity build, for a total cumulative return of $144,211.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17.3% | 6.2% |
| Monthly Cash Flow | $1,234 | $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 | $2,436 |
| Total Monthly Debt Service | $1,135 |
| DSCR Ratio | 2.15x |
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 1966
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75436, Detroit, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 924 (100%) |
| Owner Occupied HU | 630 (68.2%) |
| Renter Occupied HU | 188 (20.3%) |
| Vacant Housing Units | 106 (11.5%) |
| Median Home Value | $187,209 |
| Average Home Value | $224,754 |
Housing Distribution
Address Breakdown
Residential
890
Single Family
890
Multi-Family
0
Businesses
41
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 1966
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75436, Detroit, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 924 (100%) |
| Owner Occupied HU | 630 (68.2%) |
| Renter Occupied HU | 188 (20.3%) |
| Vacant Housing Units | 106 (11.5%) |
| Median Home Value | $187,209 |
| Average Home Value | $224,754 |
Housing Distribution
Address Breakdown
Residential
890
Single Family
890
Multi-Family
0
Businesses
41
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices