9414 Shadow Gate LnHoustonTX77040
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 9414 Shadow Gate Ln, Houston, TX, 77040 in Houston is narrow, $11/mo net on $4,693/mo rent after the $2,918/mo debt service, but the property operates at break-even-plus, not a loss. At $649,000 with a 8.68% yield, the long-run equity case via 5% appreciation ($179,307 over five years) and $5,977/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.61 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $249,715.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $11 | $450 |
City averages based on Houston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,693 |
| Total Monthly Debt Service | $4,424 |
| DSCR Ratio | 1.06x |
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 2000
9,147 sqft lot
$N/A/sqft
$800 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77040, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,233 (100%) |
| Owner Occupied HU | 9,849 (51.2%) |
| Renter Occupied HU | 8,583 (44.6%) |
| Vacant Housing Units | 801 ( 4.2%) |
| Median Home Value | $296,605 |
| Average Home Value | $322,592 |
Housing Distribution
Address Breakdown
Residential
18,335
Single Family
11,467
Multi-Family
6,868
Businesses
2,235
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 2000
9,147 sqft lot
$N/A/sqft
$800 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77040, Houston, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,233 (100%) |
| Owner Occupied HU | 9,849 (51.2%) |
| Renter Occupied HU | 8,583 (44.6%) |
| Vacant Housing Units | 801 ( 4.2%) |
| Median Home Value | $296,605 |
| Average Home Value | $322,592 |
Housing Distribution
Address Breakdown
Residential
18,335
Single Family
11,467
Multi-Family
6,868
Businesses
2,235
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sean Namli • Dr. Sean Realty, LLC
Mls Name: HAR
Mls Provider:
Mls ID: #49435283
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