6131 Emerald Bay Point LnPorterTX77365
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Porter rentals match the income profile of 6131 Emerald Bay Point Ln, Porter, TX, 77365. Listed at $120,000, gross rent is $3,896/mo and net cash flow is $2,943/mo, a 38.96% yield well above national averages. DSCR 7.21 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $33,154 by year five with $1,105/yr in annual principal reduction, projecting $235,749 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 39% | 6.2% |
| Monthly Cash Flow | $2,943 | $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 | $3,896 |
| Total Monthly Debt Service | $906 |
| DSCR Ratio | 4.30x |
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.
Lot
Built in N/A
10,123 sqft lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77365, Porter, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,096 (100%) |
| Owner Occupied HU | 13,667 (71.6%) |
| Renter Occupied HU | 4,269 (22.4%) |
| Vacant Housing Units | 1,160 ( 6.1%) |
| Median Home Value | $324,501 |
| Average Home Value | $369,441 |
Housing Distribution
Address Breakdown
Residential
18,075
Single Family
16,452
Multi-Family
1,623
Businesses
850
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
Lot
Built in N/A
10,123 sqft lot
$N/A/sqft
$1,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77365, Porter, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,096 (100%) |
| Owner Occupied HU | 13,667 (71.6%) |
| Renter Occupied HU | 4,269 (22.4%) |
| Vacant Housing Units | 1,160 ( 6.1%) |
| Median Home Value | $324,501 |
| Average Home Value | $369,441 |
Housing Distribution
Address Breakdown
Residential
18,075
Single Family
16,452
Multi-Family
1,623
Businesses
850
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices