710 lakeKerrvilleTX78028
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.42% yield at 710 lake, Kerrville, TX, 78028 in Kerrville is solid, but the $607/mo payment compresses net cash flow to $100/mo at $135,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $37,298 by year five, and $1,243/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.75) without U.S. income documentation. Total projected return: $58,166.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $100 | $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 | $1,060 |
| Total Monthly Debt Service | $906 |
| DSCR Ratio | 1.17x |
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 1974
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78028, Kerrville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,132 (100%) |
| Owner Occupied HU | 12,783 (63.5%) |
| Renter Occupied HU | 5,524 (27.4%) |
| Vacant Housing Units | 1,825 ( 9.1%) |
| Median Home Value | $318,882 |
| Average Home Value | $407,051 |
Housing Distribution
Address Breakdown
Residential
19,054
Single Family
16,824
Multi-Family
2,230
Businesses
1,726
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 1974
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78028, Kerrville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,132 (100%) |
| Owner Occupied HU | 12,783 (63.5%) |
| Renter Occupied HU | 5,524 (27.4%) |
| Vacant Housing Units | 1,825 ( 9.1%) |
| Median Home Value | $318,882 |
| Average Home Value | $407,051 |
Housing Distribution
Address Breakdown
Residential
19,054
Single Family
16,824
Multi-Family
2,230
Businesses
1,726
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices