82955 Interstate Highway 20SantoTX76472
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing82955 Interstate Highway 20, Santo, TX, 76472 in Santo is a stable, well-positioned rental at $175,000. Rental yield 6.84%. DSCR 1.27 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $48,349 in value and $1,612/yr in principal paydown builds equity, a total projected return of $51,177.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(247) | $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 | $997 |
| Total Monthly Debt Service | $1,175 |
| DSCR Ratio | 0.85x |
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.
Manufactured
Built in N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76472, Santo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 565 (74.7%) |
| Renter Occupied HU | 77 (10.2%) |
| Vacant Housing Units | 114 (15.1%) |
| Median Home Value | $381,579 |
| Average Home Value | $483,721 |
Housing Distribution
Address Breakdown
Residential
505
Single Family
505
Multi-Family
0
Businesses
89
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
Manufactured
Built in N/A
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76472, Santo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 756 (100%) |
| Owner Occupied HU | 565 (74.7%) |
| Renter Occupied HU | 77 (10.2%) |
| Vacant Housing Units | 114 (15.1%) |
| Median Home Value | $381,579 |
| Average Home Value | $483,721 |
Housing Distribution
Address Breakdown
Residential
505
Single Family
505
Multi-Family
0
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
