Fm 1241PurmelaTX76566
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. Rental yield 3.54%. Fm 1241, Purmela, TX, 76566 in Purmela fits: $325,185, 3.54% gross yield, and a projected 5% annual appreciation rate adding $89,843 in value within five years. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.66) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $2,995/yr in principal paydown and $89,843 in appreciation project a total return of $37,638.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.2% |
| Monthly Cash Flow | $(1,352) | $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 | $960 |
| Total Monthly Debt Service | $2,183 |
| DSCR Ratio | 0.44x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
34.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76566, Purmela, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 191 (100%) |
| Owner Occupied HU | 126 (66.0%) |
| Renter Occupied HU | 29 (15.2%) |
| Vacant Housing Units | 36 (18.8%) |
| Median Home Value | $328,571 |
| Average Home Value | $390,714 |
Housing Distribution
Address Breakdown
Residential
178
Single Family
178
Multi-Family
0
Businesses
7
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 N/A
34.23 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76566, Purmela, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 191 (100%) |
| Owner Occupied HU | 126 (66.0%) |
| Renter Occupied HU | 29 (15.2%) |
| Vacant Housing Units | 36 (18.8%) |
| Median Home Value | $328,571 |
| Average Home Value | $390,714 |
Housing Distribution
Address Breakdown
Residential
178
Single Family
178
Multi-Family
0
Businesses
7
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices