7845 Montecito RdEl PasoTX79915
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.67% yield at 7845 Montecito Rd, El Paso, TX, 79915 in El Paso is solid, but the $706/mo payment compresses net cash flow to $65/mo at $156,950. 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 $43,362 by year five, and $1,446/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.79) without U.S. income documentation. Total projected return: $64,726.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 5.8% |
| Monthly Cash Flow | $65 | $385 |
City averages based on El Paso market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,265 |
| Total Monthly Debt Service | $1,137 |
| DSCR Ratio | 1.11x |
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 2010
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79915, El Paso, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,015 (100%) |
| Owner Occupied HU | 7,470 (53.3%) |
| Renter Occupied HU | 5,656 (40.4%) |
| Vacant Housing Units | 889 ( 6.3%) |
| Median Home Value | $141,728 |
| Average Home Value | $207,438 |
Housing Distribution
Address Breakdown
Residential
13,603
Single Family
12,789
Multi-Family
814
Businesses
1,264
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 2010
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79915, El Paso, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,015 (100%) |
| Owner Occupied HU | 7,470 (53.3%) |
| Renter Occupied HU | 5,656 (40.4%) |
| Vacant Housing Units | 889 ( 6.3%) |
| Median Home Value | $141,728 |
| Average Home Value | $207,438 |
Housing Distribution
Address Breakdown
Residential
13,603
Single Family
12,789
Multi-Family
814
Businesses
1,264
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Arleen La Pointe • OPTIONS REALTY
Mls Name: GEPAR
Mls Provider:
Mls ID: #922453
Disclaimer: The data relating to real estate for sale on this web site comes in part from the IDX Program of the Greater El Paso Association of REALTORS. Real estate listings held by brokerage firms other than Zillow, Inc are marked with the IDX logo or the IDX thumbnail logo and detailed information about them includes the name of the listing brokers. Listing data is deemed reliable but not guaranteed. Copyright 2025 the Greater El Paso Association of REALTORS, MLS Inc. All rights reserved.