8905 Ponderosa Pine RdTempleTX76501
INVESTMENT ANALYSIS
Investment Verdict
Solid Income8905 Ponderosa Pine Rd, Temple, TX, 76501 in Temple carries a 1.50 coverage ratio, rent of $2,046/mo is 1.50 times the $1,365/mo payment. Rental yield 8.09%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $303,670 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $83,898; total projected cumulative return: $109,101.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $(113) | $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 | $2,046 |
| Total Monthly Debt Service | $2,039 |
| DSCR Ratio | 1.00x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76501, Temple, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,880 (100%) |
| Owner Occupied HU | 4,286 (54.4%) |
| Renter Occupied HU | 2,877 (36.5%) |
| Vacant Housing Units | 717 ( 9.1%) |
| Median Home Value | $232,289 |
| Average Home Value | $269,705 |
Housing Distribution
Address Breakdown
Residential
7,369
Single Family
6,892
Multi-Family
477
Businesses
585
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76501, Temple, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,880 (100%) |
| Owner Occupied HU | 4,286 (54.4%) |
| Renter Occupied HU | 2,877 (36.5%) |
| Vacant Housing Units | 717 ( 9.1%) |
| Median Home Value | $232,289 |
| Average Home Value | $269,705 |
Housing Distribution
Address Breakdown
Residential
7,369
Single Family
6,892
Multi-Family
477
Businesses
585
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices