5728 Fm 977 ELeonaTX75850
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $119,900, 5728 Fm 977 E, Leona, TX, 75850 in Leona generates $954/mo in rent (9.55% yield) but nets only $101/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.77) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $33,126. Total projected return: $52,524.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $101 | $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 | $954 |
| Total Monthly Debt Service | $805 |
| DSCR Ratio | 1.19x |
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.
Manufactured
Built in 2009
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75850, Leona, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 440 (100%) |
| Owner Occupied HU | 255 (58.0%) |
| Renter Occupied HU | 51 (11.6%) |
| Vacant Housing Units | 134 (30.5%) |
| Median Home Value | $205,412 |
| Average Home Value | $219,569 |
Housing Distribution
Address Breakdown
Residential
221
Single Family
221
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
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
Manufactured
Built in 2009
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75850, Leona, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 440 (100%) |
| Owner Occupied HU | 255 (58.0%) |
| Renter Occupied HU | 51 (11.6%) |
| Vacant Housing Units | 134 (30.5%) |
| Median Home Value | $205,412 |
| Average Home Value | $219,569 |
Housing Distribution
Address Breakdown
Residential
221
Single Family
221
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Listed by: Nathan Marks • RE/MAX Integrity
Mls Name: HAR
Mls Provider:
Mls ID: #77393468
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