800 N Carter LnSantoTX76472
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing800 N Carter Ln, Santo, TX, 76472 in Santo is a stable, well-positioned rental at $675,000. Rental yield 6.13%. DSCR 1.14 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $186,490 in value and $6,217/yr in principal paydown builds equity, a total projected return of $171,684.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 6.2% |
| Monthly Cash Flow | $(1,352) | $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 | $3,448 |
| Total Monthly Debt Service | $4,531 |
| DSCR Ratio | 0.76x |
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 2005
8.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76472, Santo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 565 (74.7%) |
| Renter Occupied HU | 77 (10.2%) |
| Vacant Housing Units | 114 (15.1%) |
| Median Home Value | $381,579 |
| Average Home Value | $483,721 |
Housing Distribution
Address Breakdown
Residential
505
Single Family
505
Multi-Family
0
Businesses
89
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 2005
8.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76472, Santo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 565 (74.7%) |
| Renter Occupied HU | 77 (10.2%) |
| Vacant Housing Units | 114 (15.1%) |
| Median Home Value | $381,579 |
| Average Home Value | $483,721 |
Housing Distribution
Address Breakdown
Residential
505
Single Family
505
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christy Dorr • Cornerstone Home and Ranch
Mls Name: NTREIS
Mls ID: #20711557
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.