Yuma Plan, Harvest PointeNeedvilleTX77461
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, Yuma Plan, Harvest Pointe, Needville, TX, 77461 in Needville deserves attention. This $399,990 property earns $3,508/mo in rent, a 10.52% gross yield, and nets $663/mo after the $1,799/mo payment. DSCR 1.95 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $110,510 compounds alongside $3,684/yr in yearly equity build, for a total cumulative return of $195,990.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $663 | $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 | $3,508 |
| Total Monthly Debt Service | $2,685 |
| DSCR Ratio | 1.31x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 77461, Needville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,665 (100%) |
| Owner Occupied HU | 3,683 (78.9%) |
| Renter Occupied HU | 725 (15.5%) |
| Vacant Housing Units | 257 ( 5.5%) |
| Median Home Value | $382,481 |
| Average Home Value | $436,394 |
Housing Distribution
Address Breakdown
Residential
4,205
Single Family
4,136
Multi-Family
69
Businesses
261
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: 77461, Needville, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,665 (100%) |
| Owner Occupied HU | 3,683 (78.9%) |
| Renter Occupied HU | 725 (15.5%) |
| Vacant Housing Units | 257 ( 5.5%) |
| Median Home Value | $382,481 |
| Average Home Value | $436,394 |
Housing Distribution
Address Breakdown
Residential
4,205
Single Family
4,136
Multi-Family
69
Businesses
261
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices