500 Oxford LnTroyTX76579
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 500 Oxford Ln, Troy, TX, 76579 in Troy achieves a 1.53 ratio at $239,000: $1,649/mo rent versus $1,075/mo debt service. Rental yield 8.28%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.28% yield compounds alongside 5% annual appreciation projecting $66,031 in value. Total projected cumulative return: $84,685.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $(111) | $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 | $1,649 |
| Total Monthly Debt Service | $1,665 |
| DSCR Ratio | 0.99x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2022
5,749 sqft lot
$N/A/sqft
$240 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76579, Troy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,376 (100%) |
| Owner Occupied HU | 1,715 (72.2%) |
| Renter Occupied HU | 465 (19.6%) |
| Vacant Housing Units | 196 ( 8.2%) |
| Median Home Value | $312,327 |
| Average Home Value | $353,136 |
Housing Distribution
Address Breakdown
Residential
2,280
Single Family
2,225
Multi-Family
55
Businesses
117
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 2022
5,749 sqft lot
$N/A/sqft
$240 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76579, Troy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,376 (100%) |
| Owner Occupied HU | 1,715 (72.2%) |
| Renter Occupied HU | 465 (19.6%) |
| Vacant Housing Units | 196 ( 8.2%) |
| Median Home Value | $312,327 |
| Average Home Value | $353,136 |
Housing Distribution
Address Breakdown
Residential
2,280
Single Family
2,225
Multi-Family
55
Businesses
117
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Carol Verhey • Heritage Homes Realty
Mls Name: NTREIS
Mls ID: #21064634
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.