9805 Gifford DrEl PasoTX79927
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 9805 Gifford Dr, El Paso, TX, 79927 in El Paso is narrow, $184/mo net on $1,482/mo rent after the $821/mo debt service, but the property operates at break-even-plus, not a loss. At $182,500 with a 9.74% yield, the long-run equity case via 5% appreciation ($50,421 over five years) and $1,681/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.81 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $81,804.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 5.8% |
| Monthly Cash Flow | $184 | $385 |
City averages based on El Paso market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,482 |
| Total Monthly Debt Service | $1,225 |
| DSCR Ratio | 1.21x |
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 1985
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79927, El Paso, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,665 (100%) |
| Owner Occupied HU | 10,897 (74.3%) |
| Renter Occupied HU | 2,908 (19.8%) |
| Vacant Housing Units | 860 ( 5.9%) |
| Median Home Value | $176,739 |
| Average Home Value | $215,369 |
Housing Distribution
Address Breakdown
Residential
14,234
Single Family
14,082
Multi-Family
152
Businesses
711
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 1985
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 79927, El Paso, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,665 (100%) |
| Owner Occupied HU | 10,897 (74.3%) |
| Renter Occupied HU | 2,908 (19.8%) |
| Vacant Housing Units | 860 ( 5.9%) |
| Median Home Value | $176,739 |
| Average Home Value | $215,369 |
Housing Distribution
Address Breakdown
Residential
14,234
Single Family
14,082
Multi-Family
152
Businesses
711
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices