7934 LudingtonHoustonTX77040
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 7934 Ludington, Houston, TX, 77040 in Houston fits: $1,049,000, 5.53% gross yield, and a projected 5% annual appreciation rate adding $289,819 in value within five years. Rental yield 5.53%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.03) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,661/yr in principal paydown and $289,819 in appreciation project a total return of $230,752.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(2,664) | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,837 |
| Total Monthly Debt Service | $7,084 |
| DSCR Ratio | 0.68x |
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 2025
1,074 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77040, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,233 (100%) |
| Owner Occupied HU | 9,849 (51.2%) |
| Renter Occupied HU | 8,583 (44.6%) |
| Vacant Housing Units | 801 ( 4.2%) |
| Median Home Value | $296,605 |
| Average Home Value | $322,592 |
Housing Distribution
Address Breakdown
Residential
18,335
Single Family
11,467
Multi-Family
6,868
Businesses
2,235
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 2025
1,074 sqft lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77040, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,233 (100%) |
| Owner Occupied HU | 9,849 (51.2%) |
| Renter Occupied HU | 8,583 (44.6%) |
| Vacant Housing Units | 801 ( 4.2%) |
| Median Home Value | $296,605 |
| Average Home Value | $322,592 |
Housing Distribution
Address Breakdown
Residential
18,335
Single Family
11,467
Multi-Family
6,868
Businesses
2,235
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Polatsek • DH Homes
Mls Name: HAR
Mls Provider:
Mls ID: #38094770
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