The Harlow (S135) Plan, Kemah Crossing - City SeriesKemahTX77565
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe 11.38% gross yield on a $319,640 purchase results in $3,030/mo in rent and $757/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.00). Annual cash flow of $9,084, five-year appreciation of $88,311, and $2,680/yr in equity build-up combine for a projected total cumulative return of $165,223.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.4% | 6.2% |
| Monthly Cash Flow | $757 | $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 | $3,030 |
| Total Monthly Debt Service | $2,224 |
| DSCR Ratio | 1.36x |
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 6.5% 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: 77565, Kemah, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,959 (100%) |
| Owner Occupied HU | 2,585 (52.1%) |
| Renter Occupied HU | 1,769 (35.7%) |
| Vacant Housing Units | 605 (12.2%) |
| Median Home Value | $445,345 |
| Average Home Value | $564,393 |
Housing Distribution
Address Breakdown
Residential
3,887
Single Family
2,616
Multi-Family
1,271
Businesses
744
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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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