5646 Oakham StHoustonTX77085
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow5646 Oakham St, Houston, TX, 77085 in Houston is a top-tier cash-flow asset. At $202,649 it produces $2,443/mo in rent and $958/mo in net monthly income, a 14.47% gross rental yield. The DSCR of 2.68 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $11,498. Five-year appreciation adds $55,988, driving a total cumulative return of $139,517.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.5% | 6.2% |
| Monthly Cash Flow | $958 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,443 |
| Total Monthly Debt Service | $1,404 |
| DSCR Ratio | 1.74x |
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 1960
10,410 sqft lot
$N/A/sqft
$44 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77085, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,043 (100%) |
| Owner Occupied HU | 3,559 (58.9%) |
| Renter Occupied HU | 2,320 (38.4%) |
| Vacant Housing Units | 164 ( 2.7%) |
| Median Home Value | $214,051 |
| Average Home Value | $275,747 |
Housing Distribution
Address Breakdown
Residential
5,944
Single Family
4,676
Multi-Family
1,268
Businesses
292
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 1960
10,410 sqft lot
$N/A/sqft
$44 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77085, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,043 (100%) |
| Owner Occupied HU | 3,559 (58.9%) |
| Renter Occupied HU | 2,320 (38.4%) |
| Vacant Housing Units | 164 ( 2.7%) |
| Median Home Value | $214,051 |
| Average Home Value | $275,747 |
Housing Distribution
Address Breakdown
Residential
5,944
Single Family
4,676
Multi-Family
1,268
Businesses
292
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices