7498 State Highway 175MontagueTX76251
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play7498 State Highway 175, Montague, TX, 76251 in Montague is priced for appreciation, not yield. Rental yield 5.94%. At $329,000 with a 5.94% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $90,897 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.10) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $80,315.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.2% |
| Monthly Cash Flow | $(711) | $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 | $1,628 |
| Total Monthly Debt Service | $2,209 |
| DSCR Ratio | 0.74x |
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 1950
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76251, Montague, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 406 (100%) |
| Owner Occupied HU | 294 (72.4%) |
| Renter Occupied HU | 33 ( 8.1%) |
| Vacant Housing Units | 79 (19.5%) |
| Median Home Value | $347,368 |
| Average Home Value | $458,512 |
Housing Distribution
Address Breakdown
Residential
315
Single Family
315
Multi-Family
0
Businesses
57
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 1950
1.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 76251, Montague, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 406 (100%) |
| Owner Occupied HU | 294 (72.4%) |
| Renter Occupied HU | 33 ( 8.1%) |
| Vacant Housing Units | 79 (19.5%) |
| Median Home Value | $347,368 |
| Average Home Value | $458,512 |
Housing Distribution
Address Breakdown
Residential
315
Single Family
315
Multi-Family
0
Businesses
57
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices