7075 Whartons Dock RdBanderaTX78003
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 7075 Whartons Dock Rd, Bandera, TX, 78003 in Bandera is narrow, $69/mo net on $1,196/mo rent after the $495/mo debt service, but the property operates at break-even-plus, not a loss. At $110,000 with a 9.28% yield, the long-run equity case via 5% appreciation ($30,391 over five years) and $1,013/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 2.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $68,797.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $69 | $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 | $1,196 |
| Total Monthly Debt Service | $738 |
| DSCR Ratio | 1.62x |
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.
Manufactured
Built in 2007
5,096 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78003, Bandera, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,611 (100%) |
| Owner Occupied HU | 3,748 (66.8%) |
| Renter Occupied HU | 736 (13.1%) |
| Vacant Housing Units | 1,127 (20.1%) |
| Median Home Value | $274,510 |
| Average Home Value | $383,783 |
Housing Distribution
Address Breakdown
Residential
3,940
Single Family
3,864
Multi-Family
76
Businesses
460
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
Manufactured
Built in 2007
5,096 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78003, Bandera, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,611 (100%) |
| Owner Occupied HU | 3,748 (66.8%) |
| Renter Occupied HU | 736 (13.1%) |
| Vacant Housing Units | 1,127 (20.1%) |
| Median Home Value | $274,510 |
| Average Home Value | $383,783 |
Housing Distribution
Address Breakdown
Residential
3,940
Single Family
3,864
Multi-Family
76
Businesses
460
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Madison Harris • Connect Realty.com
Mls Name: HAR
Mls Provider:
Mls ID: #97126924
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