7008 Emma Lou StHoustonTX77091
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 7008 Emma Lou St, Houston, TX, 77091 in Houston at $355,000 earns $2,560/mo in rent and nets $35/mo after the $1,596/mo payment, a 8.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $98,080 over five years. Ziffy Mortgage underwrites this on a 1.60 DSCR without U.S. credit history. With $3,270/yr in principal paydown, total projected return reaches $138,389.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $35 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,560 |
| Total Monthly Debt Service | $2,383 |
| DSCR Ratio | 1.07x |
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 2022
2,156 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77091, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,209 (100%) |
| Owner Occupied HU | 5,453 (44.7%) |
| Renter Occupied HU | 5,792 (47.4%) |
| Vacant Housing Units | 964 ( 7.9%) |
| Median Home Value | $257,704 |
| Average Home Value | $282,929 |
Housing Distribution
Address Breakdown
Residential
11,992
Single Family
6,445
Multi-Family
5,547
Businesses
958
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 2022
2,156 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77091, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,209 (100%) |
| Owner Occupied HU | 5,453 (44.7%) |
| Renter Occupied HU | 5,792 (47.4%) |
| Vacant Housing Units | 964 ( 7.9%) |
| Median Home Value | $257,704 |
| Average Home Value | $282,929 |
Housing Distribution
Address Breakdown
Residential
11,992
Single Family
6,445
Multi-Family
5,547
Businesses
958
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices