7045 Cayton StHoustonTX77061
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder7045 Cayton St, Houston, TX, 77061 in Houston is a stable, well-positioned rental at $595,000. Rental yield 7.86%. DSCR 1.46 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $164,388 in value and $5,480/yr in principal paydown builds equity, a total projected return of $206,434.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $(336) | $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 | $3,895 |
| Total Monthly Debt Service | $3,994 |
| DSCR Ratio | 0.98x |
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 1948
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77061, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,747 (100%) |
| Owner Occupied HU | 3,350 (34.4%) |
| Renter Occupied HU | 5,233 (53.7%) |
| Vacant Housing Units | 1,164 (11.9%) |
| Median Home Value | $263,720 |
| Average Home Value | $319,527 |
Housing Distribution
Address Breakdown
Residential
9,088
Single Family
3,874
Multi-Family
5,214
Businesses
901
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 1948
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77061, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,747 (100%) |
| Owner Occupied HU | 3,350 (34.4%) |
| Renter Occupied HU | 5,233 (53.7%) |
| Vacant Housing Units | 1,164 (11.9%) |
| Median Home Value | $263,720 |
| Average Home Value | $319,527 |
Housing Distribution
Address Breakdown
Residential
9,088
Single Family
3,874
Multi-Family
5,214
Businesses
901
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices