5214 Montego Bay Dr, Irving, TX, 75038 | $321/mo Cash Flow

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5214 Montego Bay Dr, Irving, TX, 75038 | $321/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Irving at 5214 Montego Bay Dr, Irving, TX, 75038 offers a 9.2% rental yield on a $575,000 purchase with $4,410/mo rent. Total monthly income registers $4,410/mo, and a $2,814/mo payment leaves $321/mo available for distribution. Annual cash flow reaches $3,857/yr on $189,175 to close, and return on cash invested stands at 22.1% in year one. Equity gained on principal adds $3,710/yr while 5% annual appreciation supports $158,862 over five years. Portfolio math shows five-year ROI at 115.78% and total cumulative return in cash at $219,023. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $4,410/mo property income against a $2,814/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 2018

4,573 sqft lot

$N/A/sqft

No HOA

More details about the property

Welcome to this stately two-story home filled with premium upgrades throughout. Thoughtfully designed, it offers a downstairs primary suite and private office, with two additional bedrooms and spacious game room upstairs. The living space opens up to soaring 20 vaulted ceilings anchored by a fireplace, allowing for bright days and cozy nights. The kitchen is a chefs dream, featuring quartz countertops, Whirlpool stainless steel appliances, a gas cooktop, massive island and eat-in area. You'll love the fashionable coffered ceilings in the primary retreat that boasts a spa-like bathroom with dual sinks, quartz countertops, a soaking tub, separate shower, plus walk-in closet with 10 ceilings. Additional highlights include TRANE 16+ SEER AC, Ecobee smart thermostats, a Smart Home system, tankless water heater, Moen faucets, full gutters, full sprinklers, and a radiant roof barrier for lasting efficiency and comfort. Enjoy three separate temperature zones for comfort on the main floor, upstairs, and the primary suite. A private gate secures the driveway into the garage for added privacy and convenience. Schedule a tour day!

Neighborhood Data

Neighborhood data shown for ZIP Code: 75038, Irving, TX area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	16,170 (100%)
Owner Occupied HU	2,599 (16.1%)
Renter Occupied HU	12,462 (77.1%)
Vacant Housing Units	1,109 ( 6.9%)
Median Home Value	$449,637
Average Home Value	$569,322