Montgomery Plan, Hartrick Ranch, Temple, TX, 76502 | $151/mo Cash Flow

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Montgomery Plan, Hartrick Ranch, Temple, TX, 76502 | $151/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Rental property for sale in Temple at Montgomery Plan, Hartrick Ranch, Temple, TX, 76502 priced at $322,000 converts $2,456/mo rent into $151/mo cash flow after a $1,576/mo obligation. Total monthly income equals $2,456/mo, and annual cash flow totals $1,815/yr on $106,743 invested. Return on cash invested prints 21.61% in year one, and rental yield reads 9.15% against a $322,000 entry. Equity gained on principal adds $2,078/yr, while 5% annual appreciation compiles into $88,963 by year five. Five-year ROI reaches 113.26% and total cumulative return in cash sums $120,895. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $2,456/mo property income covering a $1,576/mo payment, not borrower’s personal income.

Single Family

Built in 2025

N/A lot

$N/A/sqft

$15 monthly HOA

More details about the property

The Montgomery is our Hartrick Ranch Model Home's featured floor plan. This plan features a four-bed, two-bath layout across 1,700 square feet with an open-concept family room, dining area, and kitchen. The secondary bath includes two entries from the bedroom or the main living area. The kitchen includes stainless steel appliances with a large island that provides additional seating, counter space, and cabinet storage. The primary bath has dual vanity sinks, a private water closet, and a walk-in closet. Plan variations include a shower at the primary bath or a shower and tub combo, sliding pocket doors in the water closet, and a study in place of the fourth bedroom.

Neighborhood Data

Neighborhood data shown for ZIP Code: 76502, Temple, TX area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	22,696 (100%)
Owner Occupied HU	13,995 (61.7%)
Renter Occupied HU	7,260 (32.0%)
Vacant Housing Units	1,441 ( 6.3%)
Median Home Value	$302,329
Average Home Value	$330,680