TBD FM 640 Tract 4WhartonTX77488
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, TBD FM 640 Tract 4, Wharton, TX, 77488 in Wharton earns a 10.43% gross yield at $222,000. Rent of $1,930/mo nets $351/mo after the $998/mo mortgage. The 1.93 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $61,335 and $2,045/yr in equity accumulation project a total cumulative return of $107,699.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.2% |
| Monthly Cash Flow | $351 | $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 | $1,930 |
| Total Monthly Debt Service | $1,490 |
| DSCR Ratio | 1.29x |
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 N/A
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77488, Wharton, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,388 (100%) |
| Owner Occupied HU | 3,523 (55.2%) |
| Renter Occupied HU | 2,014 (31.5%) |
| Vacant Housing Units | 851 (13.3%) |
| Median Home Value | $198,776 |
| Average Home Value | $280,270 |
Housing Distribution
Address Breakdown
Residential
5,877
Single Family
4,986
Multi-Family
891
Businesses
696
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
11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77488, Wharton, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,388 (100%) |
| Owner Occupied HU | 3,523 (55.2%) |
| Renter Occupied HU | 2,014 (31.5%) |
| Vacant Housing Units | 851 (13.3%) |
| Median Home Value | $198,776 |
| Average Home Value | $280,270 |
Housing Distribution
Address Breakdown
Residential
5,877
Single Family
4,986
Multi-Family
891
Businesses
696
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices