601 Oscar StEl CampoTX77437
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 601 Oscar St, El Campo, TX, 77437 in El Campo worth modelling. At $126,280 with a 9.14% gross yield, the $962/mo rent leaves $64/mo after the $568/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.69 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $34,889 by year five; $1,163/yr in principal reduction adds further equity. Total projected return: $52,567.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $64 | $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 | $962 |
| Total Monthly Debt Service | $848 |
| 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 1945
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77437, El Campo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,176 (100%) |
| Owner Occupied HU | 4,472 (62.3%) |
| Renter Occupied HU | 2,110 (29.4%) |
| Vacant Housing Units | 594 ( 8.3%) |
| Median Home Value | $228,608 |
| Average Home Value | $281,267 |
Housing Distribution
Address Breakdown
Residential
6,619
Single Family
6,174
Multi-Family
445
Businesses
925
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 1945
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77437, El Campo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,176 (100%) |
| Owner Occupied HU | 4,472 (62.3%) |
| Renter Occupied HU | 2,110 (29.4%) |
| Vacant Housing Units | 594 ( 8.3%) |
| Median Home Value | $228,608 |
| Average Home Value | $281,267 |
Housing Distribution
Address Breakdown
Residential
6,619
Single Family
6,174
Multi-Family
445
Businesses
925
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices