825 Terra Cotta CtHarker HeightsTX76548
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 825 Terra Cotta Ct, Harker Heights, TX, 76548 in Harker Heights. Priced at $389,500, it generates $3,419/mo in gross rent and $649/mo in net monthly cash flow, a 10.53% yield that comfortably supports the 1.95 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,788. Five-year appreciation: $107,612. Equity from principal paydown: $3,587/yr. Total projected cumulative return: $191,082.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $649 | $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 | $3,419 |
| Total Monthly Debt Service | $2,615 |
| DSCR Ratio | 1.31x |
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 2013
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76548, Harker Heights, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,452 (100%) |
| Owner Occupied HU | 7,793 (57.9%) |
| Renter Occupied HU | 4,954 (36.8%) |
| Vacant Housing Units | 705 ( 5.2%) |
| Median Home Value | $305,751 |
| Average Home Value | $308,017 |
Housing Distribution
Address Breakdown
Residential
12,589
Single Family
12,008
Multi-Family
581
Businesses
970
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 2013
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76548, Harker Heights, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,452 (100%) |
| Owner Occupied HU | 7,793 (57.9%) |
| Renter Occupied HU | 4,954 (36.8%) |
| Vacant Housing Units | 705 ( 5.2%) |
| Median Home Value | $305,751 |
| Average Home Value | $308,017 |
Housing Distribution
Address Breakdown
Residential
12,589
Single Family
12,008
Multi-Family
581
Businesses
970
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Judson Griffis • Judson Griffis Real Estate
Mls Name: Central Texas MLS
Mls ID: #586562