513 W Clay StMontagueTX76251
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 513 W Clay St, Montague, TX, 76251 in Montague, $259,900, 8.82% gross yield, $61/mo net income. Consider it a market-entry position, the $1,909/mo rent covers the $1,169/mo payment with a margin, and 5%/yr appreciation is projected to add $71,806 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.63) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $103,500.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $61 | $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 | $1,909 |
| Total Monthly Debt Service | $1,745 |
| DSCR Ratio | 1.09x |
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 1995
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76251, Montague, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 406 (100%) |
| Owner Occupied HU | 294 (72.4%) |
| Renter Occupied HU | 33 ( 8.1%) |
| Vacant Housing Units | 79 (19.5%) |
| Median Home Value | $347,368 |
| Average Home Value | $458,512 |
Housing Distribution
Address Breakdown
Residential
315
Single Family
315
Multi-Family
0
Businesses
57
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 1995
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76251, Montague, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 406 (100%) |
| Owner Occupied HU | 294 (72.4%) |
| Renter Occupied HU | 33 ( 8.1%) |
| Vacant Housing Units | 79 (19.5%) |
| Median Home Value | $347,368 |
| Average Home Value | $458,512 |
Housing Distribution
Address Breakdown
Residential
315
Single Family
315
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices