512 Merced River LnAnnaTX75409
INVESTMENT ANALYSIS
Investment Verdict
Solid Income512 Merced River Ln, Anna, TX, 75409 in Anna earns a respectable 9.02% gross yield at $318,990, but after the $1,434/mo mortgage the net cash flow is $130/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.67) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $88,131 over five years, making equity the dominant return driver. Total projected return: $130,668.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $130 | $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 | $2,399 |
| Total Monthly Debt Service | $2,141 |
| DSCR Ratio | 1.12x |
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 2025
5,445 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75409, Anna, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,900 (100%) |
| Owner Occupied HU | 9,415 (79.1%) |
| Renter Occupied HU | 1,579 (13.3%) |
| Vacant Housing Units | 906 ( 7.6%) |
| Median Home Value | $413,873 |
| Average Home Value | $457,656 |
Housing Distribution
Address Breakdown
Residential
10,582
Single Family
10,446
Multi-Family
136
Businesses
423
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 2025
5,445 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75409, Anna, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,900 (100%) |
| Owner Occupied HU | 9,415 (79.1%) |
| Renter Occupied HU | 1,579 (13.3%) |
| Vacant Housing Units | 906 ( 7.6%) |
| Median Home Value | $413,873 |
| Average Home Value | $457,656 |
Housing Distribution
Address Breakdown
Residential
10,582
Single Family
10,446
Multi-Family
136
Businesses
423
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices