6423 Oban StHoustonTX77085
INVESTMENT ANALYSIS
Investment Verdict
Solid Income6423 Oban St, Houston, TX, 77085 in Houston carries a 1.50 coverage ratio, rent of $2,156/mo is 1.50 times the $1,434/mo payment. Rental yield 8.11%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $319,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $88,134; total projected cumulative return: $115,023.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(112) | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,156 |
| Total Monthly Debt Service | $2,142 |
| DSCR Ratio | 1.01x |
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 2025
3,750 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77085, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,043 (100%) |
| Owner Occupied HU | 3,559 (58.9%) |
| Renter Occupied HU | 2,320 (38.4%) |
| Vacant Housing Units | 164 ( 2.7%) |
| Median Home Value | $214,051 |
| Average Home Value | $275,747 |
Housing Distribution
Address Breakdown
Residential
5,944
Single Family
4,676
Multi-Family
1,268
Businesses
292
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 2025
3,750 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77085, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,043 (100%) |
| Owner Occupied HU | 3,559 (58.9%) |
| Renter Occupied HU | 2,320 (38.4%) |
| Vacant Housing Units | 164 ( 2.7%) |
| Median Home Value | $214,051 |
| Average Home Value | $275,747 |
Housing Distribution
Address Breakdown
Residential
5,944
Single Family
4,676
Multi-Family
1,268
Businesses
292
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices