90 Oak Crest DrShepherdTX77371
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 90 Oak Crest Dr, Shepherd, TX, 77371 in Shepherd at $110,000 earns $868/mo in rent and nets $78/mo after the $495/mo payment, a 9.47% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $30,391 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $1,013/yr in principal paydown, total projected return reaches $47,209.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $78 | $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 | $868 |
| Total Monthly Debt Service | $746 |
| DSCR Ratio | 1.16x |
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 1978
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77371, Shepherd, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,594 (100%) |
| Owner Occupied HU | 2,488 (69.2%) |
| Renter Occupied HU | 590 (16.4%) |
| Vacant Housing Units | 516 (14.4%) |
| Median Home Value | $208,858 |
| Average Home Value | $249,117 |
Housing Distribution
Address Breakdown
Residential
3,085
Single Family
2,887
Multi-Family
198
Businesses
163
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 1978
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77371, Shepherd, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,594 (100%) |
| Owner Occupied HU | 2,488 (69.2%) |
| Renter Occupied HU | 590 (16.4%) |
| Vacant Housing Units | 516 (14.4%) |
| Median Home Value | $208,858 |
| Average Home Value | $249,117 |
Housing Distribution
Address Breakdown
Residential
3,085
Single Family
2,887
Multi-Family
198
Businesses
163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandi Bertrand • Doug Erdy Group
Mls Name: HAR
Mls Provider:
Mls ID: #21045846
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