604 Sand Flat RdPollokTX75969
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play604 Sand Flat Rd, Pollok, TX, 75969 in Pollok is priced for appreciation, not yield. Rental yield 4.12%. At $419,000 with a 4.12% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $115,762 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.76) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $61,533.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(1,540) | $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 | $1,440 |
| Total Monthly Debt Service | $2,813 |
| DSCR Ratio | 0.51x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2013
17.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75969, Pollok, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,563 (100%) |
| Owner Occupied HU | 1,126 (72.0%) |
| Renter Occupied HU | 235 (15.0%) |
| Vacant Housing Units | 202 (12.9%) |
| Median Home Value | $198,214 |
| Average Home Value | $261,288 |
Housing Distribution
Address Breakdown
Residential
1,553
Single Family
1,553
Multi-Family
0
Businesses
38
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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
Manufactured
Built in 2013
17.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75969, Pollok, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,563 (100%) |
| Owner Occupied HU | 1,126 (72.0%) |
| Renter Occupied HU | 235 (15.0%) |
| Vacant Housing Units | 202 (12.9%) |
| Median Home Value | $198,214 |
| Average Home Value | $261,288 |
Housing Distribution
Address Breakdown
Residential
1,553
Single Family
1,553
Multi-Family
0
Businesses
38
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices