609 French StEncinalTX78019
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 609 French St, Encinal, TX, 78019 in Encinal is narrow, $66/mo net on $866/mo rent after the $506/mo debt service, but the property operates at break-even-plus, not a loss. At $112,500 with a 9.24% yield, the long-run equity case via 5% appreciation ($31,082 over five years) and $1,036/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $47,370.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $66 | $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 | $866 |
| Total Monthly Debt Service | $755 |
| DSCR Ratio | 1.15x |
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 1997
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78019, Encinal, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 174 (59.0%) |
| Renter Occupied HU | 31 (10.5%) |
| Vacant Housing Units | 90 (30.5%) |
| Median Home Value | $107,622 |
| Average Home Value | $120,920 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 1997
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78019, Encinal, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 295 (100%) |
| Owner Occupied HU | 174 (59.0%) |
| Renter Occupied HU | 31 (10.5%) |
| Vacant Housing Units | 90 (30.5%) |
| Median Home Value | $107,622 |
| Average Home Value | $120,920 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
No similar price properties found nearby.