5235 E 5th StKatyTX77493
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 5235 E 5th St, Katy, TX, 77493 in Katy worth study. Rental yield 1.67%. The 1.67% gross yield is below cash-flow benchmarks at $1,900,000, but 5% annual appreciation, adding $524,935 over five years, frames this as a capital growth position. Rent of $2,642/mo partially offsets the $8,544/mo payment. Ziffy Mortgage finances appreciation-play properties (0.31 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $28,614.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 5.8% |
| Monthly Cash Flow | $(10,869) | $320 |
City averages based on Katy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,642 |
| Total Monthly Debt Service | $12,755 |
| DSCR Ratio | 0.21x |
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 1930
1.16 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 1930
1.16 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