TRACT 2 County Road 144MelvinTX76858
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTRACT 2 County Road 144, Melvin, TX, 76858 in Melvin is a top-tier cash-flow asset. At $107,000 it produces $1,777/mo in rent and $1,016/mo in net monthly income, a 19.93% gross rental yield. The DSCR of 3.69 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $12,196. Five-year appreciation adds $29,562, driving a total cumulative return of $106,404.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 19.9% | 6.2% |
| Monthly Cash Flow | $1,016 | $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 | $1,777 |
| Total Monthly Debt Service | $718 |
| DSCR Ratio | 2.47x |
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.
Lot
Built in N/A
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76858, Melvin, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 179 (100%) |
| Owner Occupied HU | 93 (52.0%) |
| Renter Occupied HU | 15 ( 8.4%) |
| Vacant Housing Units | 71 (39.7%) |
| Median Home Value | $202,778 |
| Average Home Value | $318,817 |
Housing Distribution
Address Breakdown
Residential
52
Single Family
52
Multi-Family
0
Businesses
11
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
Lot
Built in N/A
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76858, Melvin, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 179 (100%) |
| Owner Occupied HU | 93 (52.0%) |
| Renter Occupied HU | 15 ( 8.4%) |
| Vacant Housing Units | 71 (39.7%) |
| Median Home Value | $202,778 |
| Average Home Value | $318,817 |
Housing Distribution
Address Breakdown
Residential
52
Single Family
52
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices