5109 E 5th StKatyTX77493
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 5109 E 5th St, Katy, TX, 77493 in Katy fits: $1,190,000, 2.78% gross yield, and a projected 5% annual appreciation rate adding $328,775 in value within five years. Rental yield 2.78%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.51) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $10,960/yr in principal paydown and $328,775 in appreciation project a total return of $88,689.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 5.8% |
| Monthly Cash Flow | $(5,708) | $320 |
City averages based on Katy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,754 |
| Total Monthly Debt Service | $7,989 |
| DSCR Ratio | 0.34x |
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 1964
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77493, Katy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,370 (100%) |
| Owner Occupied HU | 23,744 (75.7%) |
| Renter Occupied HU | 5,525 (17.6%) |
| Vacant Housing Units | 2,101 ( 6.7%) |
| Median Home Value | $360,331 |
| Average Home Value | $412,471 |
Housing Distribution
Address Breakdown
Residential
28,487
Single Family
26,616
Multi-Family
1,871
Businesses
700
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 1964
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77493, Katy, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,370 (100%) |
| Owner Occupied HU | 23,744 (75.7%) |
| Renter Occupied HU | 5,525 (17.6%) |
| Vacant Housing Units | 2,101 ( 6.7%) |
| Median Home Value | $360,331 |
| Average Home Value | $412,471 |
Housing Distribution
Address Breakdown
Residential
28,487
Single Family
26,616
Multi-Family
1,871
Businesses
700
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices