821 N Wilhite StCleburneTX76031
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 821 N Wilhite St, Cleburne, TX, 76031 in Cleburne is straightforward: $249,999 in, $2,281/mo in rent, $471/mo out after debt service. The 10.95% gross yield and 2.03 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $69,070 by year five. With $2,303/yr in principal equity, the total cumulative return is projected at $126,265.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.2% |
| Monthly Cash Flow | $471 | $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 | $2,281 |
| Total Monthly Debt Service | $1,711 |
| DSCR Ratio | 1.33x |
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 2020
6,359 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76031, Cleburne, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,803 (100%) |
| Owner Occupied HU | 4,313 (63.4%) |
| Renter Occupied HU | 1,900 (27.9%) |
| Vacant Housing Units | 590 ( 8.7%) |
| Median Home Value | $260,172 |
| Average Home Value | $291,506 |
Housing Distribution
Address Breakdown
Residential
6,837
Single Family
6,676
Multi-Family
161
Businesses
386
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 2020
6,359 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76031, Cleburne, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,803 (100%) |
| Owner Occupied HU | 4,313 (63.4%) |
| Renter Occupied HU | 1,900 (27.9%) |
| Vacant Housing Units | 590 ( 8.7%) |
| Median Home Value | $260,172 |
| Average Home Value | $291,506 |
Housing Distribution
Address Breakdown
Residential
6,837
Single Family
6,676
Multi-Family
161
Businesses
386
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gina Ulrich • Fathom Realty
Mls Name: NTREIS
Mls ID: #20698157
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.