805 University StMineolaTX75773
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 805 University St, Mineola, TX, 75773 in Mineola deserves attention. This $102,000 property earns $2,656/mo in rent, a 31.24% gross yield, and nets $1,930/mo after the $459/mo payment. DSCR 5.79 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $28,181 compounds alongside $939/yr in yearly equity build, for a total cumulative return of $163,310.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 31.2% | 6.2% |
| Monthly Cash Flow | $1,930 | $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 | $2,656 |
| Total Monthly Debt Service | $685 |
| DSCR Ratio | 3.88x |
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 N/A
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75773, Mineola, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,602 (100%) |
| Owner Occupied HU | 4,425 (67.0%) |
| Renter Occupied HU | 1,415 (21.4%) |
| Vacant Housing Units | 762 (11.5%) |
| Median Home Value | $226,528 |
| Average Home Value | $273,507 |
Housing Distribution
Address Breakdown
Residential
6,104
Single Family
5,860
Multi-Family
244
Businesses
565
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 N/A
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75773, Mineola, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,602 (100%) |
| Owner Occupied HU | 4,425 (67.0%) |
| Renter Occupied HU | 1,415 (21.4%) |
| Vacant Housing Units | 762 (11.5%) |
| Median Home Value | $226,528 |
| Average Home Value | $273,507 |
Housing Distribution
Address Breakdown
Residential
6,104
Single Family
5,860
Multi-Family
244
Businesses
565
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices