9018 Elm Drake LnHumbleTX77338
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 9018 Elm Drake Ln, Humble, TX, 77338 in Humble is narrow, $106/mo net on $1,443/mo rent after the $845/mo debt service, but the property operates at break-even-plus, not a loss. At $188,000 with a 9.21% yield, the long-run equity case via 5% appreciation ($51,941 over five years) and $1,732/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $78,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.2% |
| Monthly Cash Flow | $106 | $1,200 |
City averages based on Humble market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,443 |
| Total Monthly Debt Service | $1,262 |
| DSCR Ratio | 1.14x |
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.
Townhouse
Built in 2006
2,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77338, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,259 (100%) |
| Owner Occupied HU | 8,544 (49.5%) |
| Renter Occupied HU | 7,428 (43.0%) |
| Vacant Housing Units | 1,287 ( 7.5%) |
| Median Home Value | $260,461 |
| Average Home Value | $283,669 |
Housing Distribution
Address Breakdown
Residential
16,908
Single Family
11,771
Multi-Family
5,137
Businesses
1,942
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
Townhouse
Built in 2006
2,800 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77338, Humble, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,259 (100%) |
| Owner Occupied HU | 8,544 (49.5%) |
| Renter Occupied HU | 7,428 (43.0%) |
| Vacant Housing Units | 1,287 ( 7.5%) |
| Median Home Value | $260,461 |
| Average Home Value | $283,669 |
Housing Distribution
Address Breakdown
Residential
16,908
Single Family
11,771
Multi-Family
5,137
Businesses
1,942
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices