4958 White Oak RdBig SandyTX75755
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 4958 White Oak Rd, Big Sandy, TX, 75755 in Big Sandy achieves 1.55, rent of $1,718/mo covers the $1,111/mo payment 1.5x over at $247,000. Rental yield 8.35%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $68,242 over five years, with $2,275/yr in principal reduction bringing total projected return to $92,172.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $(38) | $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 | $1,718 |
| Total Monthly Debt Service | $1,658 |
| DSCR Ratio | 1.04x |
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 2005
2.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75755, Big Sandy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,583 (100%) |
| Owner Occupied HU | 1,678 (65.0%) |
| Renter Occupied HU | 571 (22.1%) |
| Vacant Housing Units | 334 (12.9%) |
| Median Home Value | $188,178 |
| Average Home Value | $242,244 |
Housing Distribution
Address Breakdown
Residential
2,189
Single Family
2,146
Multi-Family
43
Businesses
194
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 2005
2.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75755, Big Sandy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,583 (100%) |
| Owner Occupied HU | 1,678 (65.0%) |
| Renter Occupied HU | 571 (22.1%) |
| Vacant Housing Units | 334 (12.9%) |
| Median Home Value | $188,178 |
| Average Home Value | $242,244 |
Housing Distribution
Address Breakdown
Residential
2,189
Single Family
2,146
Multi-Family
43
Businesses
194
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
