Upton Plan, The CrossvineSchertzTX78154
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThere's a case for owning boring assets in strong markets. Rental yield 7.76%. It won't spike overnight, but it will produce quarter after quarter of U.S. dollar income with long-run appreciation. Ziffy Mortgage's DSCR loan removes U.S. income documentation barriers for non-residents. Five-year appreciation of $117,693 and $3,923/yr in equity build project total return of $145,488.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $(275) | $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 | $2,754 |
| Total Monthly Debt Service | $2,860 |
| DSCR Ratio | 0.96x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78154, Schertz, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,854 (100%) |
| Owner Occupied HU | 11,748 (69.7%) |
| Renter Occupied HU | 4,430 (26.3%) |
| Vacant Housing Units | 676 ( 4.0%) |
| Median Home Value | $337,195 |
| Average Home Value | $362,054 |
Housing Distribution
Address Breakdown
Residential
16,857
Single Family
14,951
Multi-Family
1,906
Businesses
1,410
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78154, Schertz, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,854 (100%) |
| Owner Occupied HU | 11,748 (69.7%) |
| Renter Occupied HU | 4,430 (26.3%) |
| Vacant Housing Units | 676 ( 4.0%) |
| Median Home Value | $337,195 |
| Average Home Value | $362,054 |
Housing Distribution
Address Breakdown
Residential
16,857
Single Family
14,951
Multi-Family
1,906
Businesses
1,410
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
