812 McKenzie RdTiogaTX76271
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 812 McKenzie Rd, Tioga, TX, 76271 in Tioga. At $595,505 it earns $4,937/mo in rent and distributes $702/mo to the owner after the $2,678/mo payment, a consistent 9.95% yield. DSCR 1.84 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $164,527 in value; $5,485/yr in principal paydown compounds ownership stake. Total projected return: $273,368.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $702 | $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 | $4,937 |
| Total Monthly Debt Service | $3,998 |
| DSCR Ratio | 1.23x |
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 2018
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76271, Tioga, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 838 (100%) |
| Owner Occupied HU | 653 (77.9%) |
| Renter Occupied HU | 140 (16.7%) |
| Vacant Housing Units | 45 ( 5.4%) |
| Median Home Value | $357,692 |
| Average Home Value | $420,819 |
Housing Distribution
Address Breakdown
Residential
695
Single Family
680
Multi-Family
15
Businesses
93
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 2018
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76271, Tioga, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 838 (100%) |
| Owner Occupied HU | 653 (77.9%) |
| Renter Occupied HU | 140 (16.7%) |
| Vacant Housing Units | 45 ( 5.4%) |
| Median Home Value | $357,692 |
| Average Home Value | $420,819 |
Housing Distribution
Address Breakdown
Residential
695
Single Family
680
Multi-Family
15
Businesses
93
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices