815 Sun RayHorseshoe BayTX78657
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 815 Sun Ray, Horseshoe Bay, TX, 78657 in Horseshoe Bay offers a clean, manageable entry. Rental yield 7.52%. DSCR 1.39 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $204,863 in additional property value over five years, with $6,829/yr in principal equity building ownership stake. Total projected cumulative return: $243,777.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $(628) | $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 | $4,645 |
| Total Monthly Debt Service | $4,978 |
| DSCR Ratio | 0.93x |
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 2023
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78657, Marble Falls, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,411 (100%) |
| Owner Occupied HU | 2,766 (51.1%) |
| Renter Occupied HU | 668 (12.3%) |
| Vacant Housing Units | 1,977 (36.5%) |
| Median Home Value | $484,739 |
| Average Home Value | $688,625 |
Housing Distribution
Address Breakdown
Residential
4,144
Single Family
4,142
Multi-Family
2
Businesses
318
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 2023
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78657, Marble Falls, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,411 (100%) |
| Owner Occupied HU | 2,766 (51.1%) |
| Renter Occupied HU | 668 (12.3%) |
| Vacant Housing Units | 1,977 (36.5%) |
| Median Home Value | $484,739 |
| Average Home Value | $688,625 |
Housing Distribution
Address Breakdown
Residential
4,144
Single Family
4,142
Multi-Family
2
Businesses
318
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patti A Cohen • Horseshoe Bay Resort Realty
Mls Name: HLMLS
Mls ID: #173704