500 W Lamar StRichlandTX76681
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Richland rental at 500 W Lamar St, Richland, TX, 76681 sits in the solid-income band: 11.67% gross yield, $1,459/mo rent, $393/mo net after the $674/mo debt service, DSCR 2.16. Entry price of $150,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $41,442 and $1,382/yr in principal reduction bring total cumulative return to $82,784.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $393 | $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 | $1,459 |
| Total Monthly Debt Service | $1,007 |
| DSCR Ratio | 1.45x |
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 2000
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76681, Richland, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 287 (100%) |
| Owner Occupied HU | 178 (62.0%) |
| Renter Occupied HU | 30 (10.5%) |
| Vacant Housing Units | 79 (27.5%) |
| Median Home Value | $154,412 |
| Average Home Value | $290,478 |
Housing Distribution
Address Breakdown
Residential
238
Single Family
238
Multi-Family
0
Businesses
22
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 2000
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76681, Richland, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 287 (100%) |
| Owner Occupied HU | 178 (62.0%) |
| Renter Occupied HU | 30 (10.5%) |
| Vacant Housing Units | 79 (27.5%) |
| Median Home Value | $154,412 |
| Average Home Value | $290,478 |
Housing Distribution
Address Breakdown
Residential
238
Single Family
238
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices