707 S Swift StWhite DeerTX79097
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 707 S Swift St, White Deer, TX, 79097 in White Deer earns a 11.16% gross yield at $155,000. Rent of $1,441/mo nets $339/mo after the $697/mo mortgage. The 2.07 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $42,824 and $1,428/yr in equity accumulation project a total cumulative return of $81,234.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.2% |
| Monthly Cash Flow | $339 | $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 | $1,441 |
| Total Monthly Debt Service | $1,041 |
| DSCR Ratio | 1.38x |
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 1951
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79097, White Deer, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 529 (100%) |
| Owner Occupied HU | 363 (68.6%) |
| Renter Occupied HU | 78 (14.7%) |
| Vacant Housing Units | 88 (16.6%) |
| Median Home Value | $192,905 |
| Average Home Value | $190,888 |
Housing Distribution
Address Breakdown
Residential
42
Single Family
42
Multi-Family
0
Businesses
46
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 1951
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79097, White Deer, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 529 (100%) |
| Owner Occupied HU | 363 (68.6%) |
| Renter Occupied HU | 78 (14.7%) |
| Vacant Housing Units | 88 (16.6%) |
| Median Home Value | $192,905 |
| Average Home Value | $190,888 |
Housing Distribution
Address Breakdown
Residential
42
Single Family
42
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Twila Baldwin • Coldwell Banker First Equity
Mls Name: AMMLS
Mls Provider:
Mls ID: #25-112
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.