508 N 5th StLottTX76656
INVESTMENT ANALYSIS
Investment Verdict
Solid Income508 N 5th St, Lott, TX, 76656 in Lott earns a respectable 9.35% gross yield at $120,000, but after the $540/mo mortgage the net cash flow is $82/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.73) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $33,154 over five years, making equity the dominant return driver. Total projected return: $51,225.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $82 | $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 | $935 |
| Total Monthly Debt Service | $806 |
| DSCR Ratio | 1.16x |
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 2002
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76656, Lott, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 771 (67.2%) |
| Renter Occupied HU | 177 (15.4%) |
| Vacant Housing Units | 199 (17.3%) |
| Median Home Value | $188,056 |
| Average Home Value | $246,722 |
Housing Distribution
Address Breakdown
Residential
915
Single Family
915
Multi-Family
0
Businesses
71
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 2002
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76656, Lott, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 771 (67.2%) |
| Renter Occupied HU | 177 (15.4%) |
| Vacant Housing Units | 199 (17.3%) |
| Median Home Value | $188,056 |
| Average Home Value | $246,722 |
Housing Distribution
Address Breakdown
Residential
915
Single Family
915
Multi-Family
0
Businesses
71
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices