6551 McCharen CtHoustonTX77086
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 6551 McCharen Ct, Houston, TX, 77086 in Houston is narrow, $135/mo net on $1,950/mo rent after the $1,069/mo debt service, but the property operates at break-even-plus, not a loss. At $237,800 with a 9.36% yield, the long-run equity case via 5% appreciation ($65,700 over five years) and $2,190/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.82 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $105,891.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $135 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,950 |
| Total Monthly Debt Service | $1,628 |
| DSCR Ratio | 1.20x |
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 1999
4,660 sqft lot
$N/A/sqft
$32 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77086, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,341 (100%) |
| Owner Occupied HU | 4,616 (49.4%) |
| Renter Occupied HU | 4,238 (45.4%) |
| Vacant Housing Units | 487 ( 5.2%) |
| Median Home Value | $214,389 |
| Average Home Value | $254,623 |
Housing Distribution
Address Breakdown
Residential
8,631
Single Family
6,758
Multi-Family
1,873
Businesses
1,019
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 1999
4,660 sqft lot
$N/A/sqft
$32 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77086, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,341 (100%) |
| Owner Occupied HU | 4,616 (49.4%) |
| Renter Occupied HU | 4,238 (45.4%) |
| Vacant Housing Units | 487 ( 5.2%) |
| Median Home Value | $214,389 |
| Average Home Value | $254,623 |
Housing Distribution
Address Breakdown
Residential
8,631
Single Family
6,758
Multi-Family
1,873
Businesses
1,019
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices