5 Lone Oak Thrill Hill RdMountain HomeTX78058
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 5 Lone Oak Thrill Hill Rd, Mountain Home, TX, 78058 in Mountain Home. Priced at $185,000, it generates $1,901/mo in gross rent and $585/mo in net monthly cash flow, a 12.33% yield that comfortably supports the 2.28 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,023. Five-year appreciation: $51,112. Equity from principal paydown: $1,704/yr. Total projected cumulative return: $108,557.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.2% |
| Monthly Cash Flow | $585 | $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 | $1,901 |
| Total Monthly Debt Service | $1,242 |
| DSCR Ratio | 1.53x |
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.
Lot
Built in N/A
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78058, Mountain Home, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 603 (100%) |
| Owner Occupied HU | 404 (67.0%) |
| Renter Occupied HU | 63 (10.4%) |
| Vacant Housing Units | 136 (22.6%) |
| Median Home Value | $442,466 |
| Average Home Value | $499,697 |
Housing Distribution
Address Breakdown
Residential
544
Single Family
544
Multi-Family
0
Businesses
30
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
Lot
Built in N/A
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78058, Mountain Home, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 603 (100%) |
| Owner Occupied HU | 404 (67.0%) |
| Renter Occupied HU | 63 (10.4%) |
| Vacant Housing Units | 136 (22.6%) |
| Median Home Value | $442,466 |
| Average Home Value | $499,697 |
Housing Distribution
Address Breakdown
Residential
544
Single Family
544
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices