904 Fields StRichmondTX77469
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 904 Fields St, Richmond, TX, 77469 in Richmond at $135,000 earns $1,060/mo in rent and nets $100/mo after the $607/mo payment, a 9.42% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $37,298 over five years. Ziffy Mortgage underwrites this on a 1.75 DSCR without U.S. credit history. With $1,243/yr in principal paydown, total projected return reaches $58,166.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.5% |
| Monthly Cash Flow | $100 | $285 |
City averages based on Richmond market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,060 |
| Total Monthly Debt Service | $906 |
| DSCR Ratio | 1.17x |
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 1950
4,499 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77469, Richmond, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,583 (100%) |
| Owner Occupied HU | 20,528 (71.8%) |
| Renter Occupied HU | 5,709 (20.0%) |
| Vacant Housing Units | 2,346 ( 8.2%) |
| Median Home Value | $366,886 |
| Average Home Value | $418,861 |
Housing Distribution
Address Breakdown
Residential
25,396
Single Family
22,843
Multi-Family
2,553
Businesses
817
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 1950
4,499 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77469, Richmond, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,583 (100%) |
| Owner Occupied HU | 20,528 (71.8%) |
| Renter Occupied HU | 5,709 (20.0%) |
| Vacant Housing Units | 2,346 ( 8.2%) |
| Median Home Value | $366,886 |
| Average Home Value | $418,861 |
Housing Distribution
Address Breakdown
Residential
25,396
Single Family
22,843
Multi-Family
2,553
Businesses
817
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Wenhao Ye • Walzel Properties - Corporate Office
Mls Name: HAR
Mls Provider:
Mls ID: #82278057
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