5851 Madison Trail DrRichmondTX77545
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 5851 Madison Trail Dr, Richmond, TX, 77545 in Richmond is narrow, $137/mo net on $3,088/mo rent after the $1,826/mo debt service, but the property operates at break-even-plus, not a loss. At $406,108 with a 9.12% yield, the long-run equity case via 5% appreciation ($112,200 over five years) and $3,740/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $168,515.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $137 | $285 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,088 |
| Total Monthly Debt Service | $2,726 |
| DSCR Ratio | 1.13x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77545, Fresno, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,803 (100%) |
| Owner Occupied HU | 7,686 (78.4%) |
| Renter Occupied HU | 1,591 (16.2%) |
| Vacant Housing Units | 526 ( 5.4%) |
| Median Home Value | $286,565 |
| Average Home Value | $323,831 |
Housing Distribution
Address Breakdown
Residential
9,079
Single Family
8,983
Multi-Family
96
Businesses
509
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77545, Fresno, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,803 (100%) |
| Owner Occupied HU | 7,686 (78.4%) |
| Renter Occupied HU | 1,591 (16.2%) |
| Vacant Housing Units | 526 ( 5.4%) |
| Median Home Value | $286,565 |
| Average Home Value | $323,831 |
Housing Distribution
Address Breakdown
Residential
9,079
Single Family
8,983
Multi-Family
96
Businesses
509
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices