86 County Road 161O'BrienTX79539
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew O'Brien rentals match the income profile of 86 County Road 161, O'Brien, TX, 79539. Listed at $170,000, gross rent is $1,979/mo and net cash flow is $770/mo, a 13.97% yield well above national averages. DSCR 2.59 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $46,968 by year five with $1,566/yr in annual principal reduction, projecting $114,768 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 6.2% |
| Monthly Cash Flow | $770 | $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 | $1,979 |
| Total Monthly Debt Service | $1,141 |
| DSCR Ratio | 1.73x |
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.
Lot
Built in N/A
86.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79539, O Brien, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 109 (100%) |
| Owner Occupied HU | 72 (66.1%) |
| Renter Occupied HU | 10 ( 9.2%) |
| Vacant Housing Units | 27 (24.8%) |
| Median Home Value | $65,000 |
| Average Home Value | $105,174 |
Housing Distribution
Address Breakdown
Residential
65
Single Family
65
Multi-Family
0
Businesses
7
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
Lot
Built in N/A
86.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79539, O Brien, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 109 (100%) |
| Owner Occupied HU | 72 (66.1%) |
| Renter Occupied HU | 10 ( 9.2%) |
| Vacant Housing Units | 27 (24.8%) |
| Median Home Value | $65,000 |
| Average Home Value | $105,174 |
Housing Distribution
Address Breakdown
Residential
65
Single Family
65
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices