808 Center StEl CampoTX77437
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 808 Center St, El Campo, TX, 77437 in El Campo is narrow, $18/mo net on $2,332/mo rent after the $1,161/mo debt service, but the property operates at break-even-plus, not a loss. At $245,000 with a 8.62% yield, the long-run equity case via 5% appreciation ($67,689 over five years) and $2,054/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 2.01 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $127,261.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $18 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,332 |
| Total Monthly Debt Service | $1,705 |
| DSCR Ratio | 1.37x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1920
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77437, El Campo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,176 (100%) |
| Owner Occupied HU | 4,472 (62.3%) |
| Renter Occupied HU | 2,110 (29.4%) |
| Vacant Housing Units | 594 ( 8.3%) |
| Median Home Value | $228,608 |
| Average Home Value | $281,267 |
Housing Distribution
Address Breakdown
Residential
6,619
Single Family
6,174
Multi-Family
445
Businesses
925
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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
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Listed by: Nancy Rollings • Red Dirt Realty Group
Mls Name: HAR
Mls Provider:
Mls ID: #19066322
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