860 Spruce AveCushingTX75760
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow860 Spruce Ave, Cushing, TX, 75760 in Cushing is a top-tier cash-flow asset. At $100,000 it produces $1,754/mo in rent and $1,043/mo in net monthly income, a 21.05% gross rental yield. The DSCR of 3.90 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,519. Five-year appreciation adds $27,628, driving a total cumulative return of $105,449.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 21.1% | 6.2% |
| Monthly Cash Flow | $1,043 | $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 | $1,754 |
| Total Monthly Debt Service | $671 |
| DSCR Ratio | 2.61x |
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 N/A
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75760, Cushing, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,392 (100%) |
| Owner Occupied HU | 946 (68.0%) |
| Renter Occupied HU | 200 (14.4%) |
| Vacant Housing Units | 246 (17.7%) |
| Median Home Value | $147,005 |
| Average Home Value | $204,334 |
Housing Distribution
Address Breakdown
Residential
1,109
Single Family
1,109
Multi-Family
0
Businesses
52
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 N/A
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 75760, Cushing, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,392 (100%) |
| Owner Occupied HU | 946 (68.0%) |
| Renter Occupied HU | 200 (14.4%) |
| Vacant Housing Units | 246 (17.7%) |
| Median Home Value | $147,005 |
| Average Home Value | $204,334 |
Housing Distribution
Address Breakdown
Residential
1,109
Single Family
1,109
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices