Kitson Plan, Steelwood Trails : Cottage CollectionNew BraunfelsTX78132
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at Kitson Plan, Steelwood Trails: Cottage Collection, New Braunfels, TX, 78132 in New Braunfels is narrow, $76/mo net on $1,932/mo rent after the $1,174/mo debt service, but the property operates at break-even-plus, not a loss. At $260,999 with a 8.88% yield, the long-run equity case via 5% appreciation ($72,109 over five years) and $2,404/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.65 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $104,917.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.8% |
| Monthly Cash Flow | $76 | $450 |
City averages based on New Braunfels market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,932 |
| Total Monthly Debt Service | $1,752 |
| DSCR Ratio | 1.10x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78132, New Braunfels, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,235 (100%) |
| Owner Occupied HU | 15,788 (78.0%) |
| Renter Occupied HU | 2,772 (13.7%) |
| Vacant Housing Units | 1,675 ( 8.3%) |
| Median Home Value | $637,562 |
| Average Home Value | $676,252 |
Housing Distribution
Address Breakdown
Residential
17,840
Single Family
16,958
Multi-Family
882
Businesses
616
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78132, New Braunfels, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,235 (100%) |
| Owner Occupied HU | 15,788 (78.0%) |
| Renter Occupied HU | 2,772 (13.7%) |
| Vacant Housing Units | 1,675 ( 8.3%) |
| Median Home Value | $637,562 |
| Average Home Value | $676,252 |
Housing Distribution
Address Breakdown
Residential
17,840
Single Family
16,958
Multi-Family
882
Businesses
616
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Lennar
Mls Name: Lennar Homes
Mls Provider:
Mls ID: #N/A