6540 CR 409Valley SpringTX76885
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 6540 CR 409, Valley Spring, TX, 76885 in Valley Spring worth study. Rental yield 2.71%. The 2.71% gross yield is below cash-flow benchmarks at $799,000, but 5% annual appreciation, adding $220,749 over five years, frames this as a capital growth position. Rent of $1,804/mo partially offsets the $3,593/mo payment. Ziffy Mortgage finances appreciation-play properties (0.50 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $56,607.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.2% |
| Monthly Cash Flow | $(3,878) | $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 | $1,804 |
| Total Monthly Debt Service | $5,364 |
| DSCR Ratio | 0.34x |
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 N/A
75.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76885, Valley Spring, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 90 (55.2%) |
| Renter Occupied HU | 7 ( 4.3%) |
| Vacant Housing Units | 66 (40.5%) |
| Median Home Value | $592,593 |
| Average Home Value | $773,889 |
Housing Distribution
Address Breakdown
Residential
34
Single Family
34
Multi-Family
0
Businesses
4
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 N/A
75.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76885, Valley Spring, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 163 (100%) |
| Owner Occupied HU | 90 (55.2%) |
| Renter Occupied HU | 7 ( 4.3%) |
| Vacant Housing Units | 66 (40.5%) |
| Median Home Value | $592,593 |
| Average Home Value | $773,889 |
Housing Distribution
Address Breakdown
Residential
34
Single Family
34
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jason H James • Jesse James Real Estate
Mls Name: HLMLS
Mls ID: #175185