Nixon Plan, Blackland RanchTempleTX76501
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. Rental yield 5.12%. Nixon Plan, Blackland Ranch, Temple, TX, 76501 in Temple fits: $429,000, 5.12% gross yield, and a projected 5% annual appreciation rate adding $118,525 in value within five years. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.90) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,596/yr in principal paydown and $118,525 in appreciation project a total return of $77,797.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.2% |
| Monthly Cash Flow | $(1,221) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,830 |
| Total Monthly Debt Service | $2,985 |
| DSCR Ratio | 0.61x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76501, Temple, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,880 (100%) |
| Owner Occupied HU | 4,286 (54.4%) |
| Renter Occupied HU | 2,877 (36.5%) |
| Vacant Housing Units | 717 ( 9.1%) |
| Median Home Value | $232,289 |
| Average Home Value | $269,705 |
Housing Distribution
Address Breakdown
Residential
7,369
Single Family
6,892
Multi-Family
477
Businesses
585
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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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