5104 58th StLubbockTX79414
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 5104 58th St, Lubbock, TX, 79414 in Lubbock is listed at $255,000 and delivers $1,560/mo in rent and $256/mo in net monthly cash flow. The 10.05% yield and 1.36 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $70,452 over five years, and $2,349/yr in principal reduction supplements cash return. Total projected cumulative return: $77,507.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.8% |
| Monthly Cash Flow | $256 | $450 |
City averages based on Lubbock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $1,777 |
| DSCR Ratio | 0.88x |
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.
Townhouse
Built in 1995
3,920 sqft lot
$N/A/sqft
$780 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79414, Lubbock, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,694 (100%) |
| Owner Occupied HU | 2,652 (30.5%) |
| Renter Occupied HU | 5,100 (58.7%) |
| Vacant Housing Units | 942 (10.8%) |
| Median Home Value | $155,461 |
| Average Home Value | $177,521 |
Housing Distribution
Address Breakdown
Residential
8,295
Single Family
5,172
Multi-Family
3,123
Businesses
603
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
Townhouse
Built in 1995
3,920 sqft lot
$N/A/sqft
$780 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79414, Lubbock, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,694 (100%) |
| Owner Occupied HU | 2,652 (30.5%) |
| Renter Occupied HU | 5,100 (58.7%) |
| Vacant Housing Units | 942 (10.8%) |
| Median Home Value | $155,461 |
| Average Home Value | $177,521 |
Housing Distribution
Address Breakdown
Residential
8,295
Single Family
5,172
Multi-Family
3,123
Businesses
603
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacey Rogers • Keller Williams Realty
Mls Name: LBMLS
Mls Provider:
Mls ID: #202553262
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.