539 Tom LnRed OakTX75154
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Red Oak rental at 539 Tom Ln, Red Oak, TX, 75154 sits in the solid-income band: 9.92% gross yield, $3,194/mo rent, $412/mo net after the $1,738/mo debt service, DSCR 1.84. Entry price of $386,400 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $106,755 and $3,559/yr in principal reduction bring total cumulative return to $174,728.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.2% |
| Monthly Cash Flow | $412 | $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 | $3,194 |
| Total Monthly Debt Service | $2,629 |
| DSCR Ratio | 1.21x |
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 2024
7,148 sqft lot
$N/A/sqft
$420 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75154, Red Oak, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,844 (100%) |
| Owner Occupied HU | 14,515 (77.0%) |
| Renter Occupied HU | 3,735 (19.8%) |
| Vacant Housing Units | 594 ( 3.2%) |
| Median Home Value | $347,833 |
| Average Home Value | $386,647 |
Housing Distribution
Address Breakdown
Residential
18,969
Single Family
17,381
Multi-Family
1,588
Businesses
1,012
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 2024
7,148 sqft lot
$N/A/sqft
$420 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75154, Red Oak, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,844 (100%) |
| Owner Occupied HU | 14,515 (77.0%) |
| Renter Occupied HU | 3,735 (19.8%) |
| Vacant Housing Units | 594 ( 3.2%) |
| Median Home Value | $347,833 |
| Average Home Value | $386,647 |
Housing Distribution
Address Breakdown
Residential
18,969
Single Family
17,381
Multi-Family
1,588
Businesses
1,012
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Reuben Riojas • United Real Estate DFW
Mls Name: NTREIS
Mls ID: #20892848
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.