95 County Road 381EraTX76238
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 95 County Road 381, Era, TX, 76238 in Era: $3,404/mo in rent, $310/mo in net income, 9.39% gross yield, 1.74 DSCR, all at $435,200. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $120,238 in appreciation and $4,008/yr in principal paydown projects total cumulative return of $186,684.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $310 | $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 | $3,404 |
| Total Monthly Debt Service | $2,922 |
| 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 2021
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76238, Era, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 197 (100%) |
| Owner Occupied HU | 153 (77.7%) |
| Renter Occupied HU | 29 (14.7%) |
| Vacant Housing Units | 15 ( 7.6%) |
| Median Home Value | $351,667 |
| Average Home Value | $458,023 |
Housing Distribution
Address Breakdown
Residential
97
Single Family
97
Multi-Family
0
Businesses
24
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 2021
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76238, Era, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 197 (100%) |
| Owner Occupied HU | 153 (77.7%) |
| Renter Occupied HU | 29 (14.7%) |
| Vacant Housing Units | 15 ( 7.6%) |
| Median Home Value | $351,667 |
| Average Home Value | $458,023 |
Housing Distribution
Address Breakdown
Residential
97
Single Family
97
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jasmine Jones • Real Estate Shoppe TX, LLC
Mls Name: NTREIS
Mls ID: #20920269
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.