654 Bay Breeze DrKyleTX78640
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing654 Bay Breeze Dr, Kyle, TX, 78640 in Kyle is a stable, well-positioned rental at $469,900. Rental yield 6.73%. DSCR 1.25 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $129,825 in value and $4,328/yr in principal paydown builds equity, a total projected return of $131,815.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.2% |
| Monthly Cash Flow | $(753) | $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 | $2,636 |
| Total Monthly Debt Service | $3,202 |
| DSCR Ratio | 0.82x |
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.
Single Family
Built in 2026
6,098 sqft lot
$N/A/sqft
$575 annually HOA
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 2026
6,098 sqft lot
$N/A/sqft
$575 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lee Jones • Perry Homes Realty, LLC
Mls Name: Unlock MLS
Mls Provider:
Mls ID: #5577413
Disclaimer: Based on information from Unlock MLS (alternatively, from ACTRIS) for the period through 2026-03-07 23:27:52 PST. Neither the Board nor ACTRIS guarantees or is in any way responsible for its accuracy. All data is provided AS IS and with all faults. Data maintained by the Board or ACTRIS may not reflect all real estate activity in the market. Information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#27)