720 S Main StCalvertTX77837
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 720 S Main St, Calvert, TX, 77837 in Calvert is narrow, $102/mo net on $1,346/mo rent after the $787/mo debt service, but the property operates at break-even-plus, not a loss. At $175,000 with a 9.23% yield, the long-run equity case via 5% appreciation ($48,349 over five years) and $1,612/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $73,641.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $102 | $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 | $1,346 |
| Total Monthly Debt Service | $1,175 |
| DSCR Ratio | 1.15x |
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.
Townhouse
Built in 1868
3,746 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77837, Calvert, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 890 (100%) |
| Owner Occupied HU | 452 (50.8%) |
| Renter Occupied HU | 186 (20.9%) |
| Vacant Housing Units | 252 (28.3%) |
| Median Home Value | $206,863 |
| Average Home Value | $234,004 |
Housing Distribution
Address Breakdown
Residential
413
Single Family
397
Multi-Family
16
Businesses
76
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
Townhouse
Built in 1868
3,746 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77837, Calvert, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 890 (100%) |
| Owner Occupied HU | 452 (50.8%) |
| Renter Occupied HU | 186 (20.9%) |
| Vacant Housing Units | 252 (28.3%) |
| Median Home Value | $206,863 |
| Average Home Value | $234,004 |
Housing Distribution
Address Breakdown
Residential
413
Single Family
397
Multi-Family
16
Businesses
76
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices