76 Indian Springs DrKerrvilleTX78028
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 76 Indian Springs Dr, Kerrville, TX, 78028 in Kerrville fits: $820,000, 2.19% gross yield, and a projected 5% annual appreciation rate adding $226,551 in value within five years. Rental yield 2.19%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.41) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,552/yr in principal paydown and $226,551 in appreciation project a total return of $35,231.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.2% | 6.2% |
| Monthly Cash Flow | $(4,483) | $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 | $1,495 |
| Total Monthly Debt Service | $5,505 |
| DSCR Ratio | 0.27x |
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 1995
6.08 Acres 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 1995
6.08 Acres 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