9116 King Oaks DrIolaTX77861
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 9116 King Oaks Dr, Iola, TX, 77861 in Iola is the 1.56 coverage ratio: rent of $4,211/mo versus a $2,693/mo debt payment on a $599,000 property. Rental yield 8.44%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $165,493 by year five, with $5,517/yr in equity from paydown. Total projected cumulative return: $223,948.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $(90) | $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 | $4,211 |
| Total Monthly Debt Service | $4,063 |
| DSCR Ratio | 1.04x |
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 2016
1.10 Acres lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77861, Iola, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,489 (100%) |
| Owner Occupied HU | 1,116 (74.9%) |
| Renter Occupied HU | 157 (10.5%) |
| Vacant Housing Units | 216 (14.5%) |
| Median Home Value | $391,304 |
| Average Home Value | $430,889 |
Housing Distribution
Address Breakdown
Residential
1,363
Single Family
1,363
Multi-Family
0
Businesses
59
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 2016
1.10 Acres lot
$N/A/sqft
$500 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77861, Iola, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,489 (100%) |
| Owner Occupied HU | 1,116 (74.9%) |
| Renter Occupied HU | 157 (10.5%) |
| Vacant Housing Units | 216 (14.5%) |
| Median Home Value | $391,304 |
| Average Home Value | $430,889 |
Housing Distribution
Address Breakdown
Residential
1,363
Single Family
1,363
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices