521 N 10th StWacoTX76701
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 521 N 10th St, Waco, TX, 76701 in Waco speaks for itself: 16.96% gross on a $145,000 price, generating $2,050/mo in rent and $970/mo in net income after the $652/mo debt service. DSCR 3.14, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,645 stacks alongside $40,061 in projected five-year appreciation and $1,335/yr in principal reduction. Projected total cumulative return: $118,270.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 17% | 6.2% |
| Monthly Cash Flow | $970 | $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 | $2,050 |
| Total Monthly Debt Service | $1,022 |
| DSCR Ratio | 2.01x |
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 1910
8,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76701, Waco, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,163 (100%) |
| Owner Occupied HU | 148 (12.7%) |
| Renter Occupied HU | 786 (67.6%) |
| Vacant Housing Units | 229 (19.7%) |
| Median Home Value | $228,571 |
| Average Home Value | $290,069 |
Housing Distribution
Address Breakdown
Residential
924
Single Family
534
Multi-Family
390
Businesses
719
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 1910
8,250 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76701, Waco, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,163 (100%) |
| Owner Occupied HU | 148 (12.7%) |
| Renter Occupied HU | 786 (67.6%) |
| Vacant Housing Units | 229 (19.7%) |
| Median Home Value | $228,571 |
| Average Home Value | $290,069 |
Housing Distribution
Address Breakdown
Residential
924
Single Family
534
Multi-Family
390
Businesses
719
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices