813 W 12th StCameronTX76520
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 813 W 12th St, Cameron, TX, 76520 in Cameron worth modelling. At $180,000 with a 9.15% gross yield, the $1,373/mo rent leaves $93/mo after the $809/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.70 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $49,731 by year five; $1,658/yr in principal reduction adds further equity. Total projected return: $74,983.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $93 | $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 | $1,373 |
| Total Monthly Debt Service | $1,208 |
| DSCR Ratio | 1.14x |
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.
Manufactured
Built in 1997
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76520, Cameron, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,801 (100%) |
| Owner Occupied HU | 2,233 (58.7%) |
| Renter Occupied HU | 1,003 (26.4%) |
| Vacant Housing Units | 565 (14.9%) |
| Median Home Value | $169,140 |
| Average Home Value | $266,093 |
Housing Distribution
Address Breakdown
Residential
3,578
Single Family
3,447
Multi-Family
131
Businesses
420
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 3 Bed
- 1 Bath
- 902 sft
- 3 Bed
- 1 Bath
- 1008 sft
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
Manufactured
Built in 1997
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76520, Cameron, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,801 (100%) |
| Owner Occupied HU | 2,233 (58.7%) |
| Renter Occupied HU | 1,003 (26.4%) |
| Vacant Housing Units | 565 (14.9%) |
| Median Home Value | $169,140 |
| Average Home Value | $266,093 |
Housing Distribution
Address Breakdown
Residential
3,578
Single Family
3,447
Multi-Family
131
Businesses
420
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
- 3 Bed
- 1 Bath
- 902 sft
- 3 Bed
- 1 Bath
- 1008 sft