Fair
Deal attractiveness
41/100
Your would be 5.1%. That’s a modest return. 4% to 6% is normal for low-risk homes in the priciest markets, but long-term rentals usually aim for 8% to 12%.
DSCR Snapshot
3503 Knight Ln Baytown, TX 77521
This is an estimate, not a loan approval.
At a glance
Your numbers: $148,000 price · 25% down · $1,970 a month rent · 7.24% rate · 8% vacancy · $10,000 renovation in cash Change the numbers
Rent coverage ()
1.39
1.25 or more gets lenders’ best pricing
Monthly cash flow
$220
$2,643 a year
$51,440
25% down, closing costs and renovation
5.14%
A year, on the cash you bring
Trade-offs: getting this price would be hard. With your other settings, no price works on all three. See your maximum offer
Three scores, out of 100
Good terms likely
Loan health
86/100
Most lenders would likely make this loan, on good terms.
Why this score
How good the loan terms would likely be, and how many lenders would make this loan:
- Rent coverage
- 1.39× strong
- Credit score
- 720 strong
- Down payment The loan is 75% of your price.
- 25% strong
- Lenders likely to say yes
- most
Hard
Negotiation difficulty
66/100
Your price is 32% under the estimated home value. Getting a seller to agree would be hard, unless the home needs major work.
At your price, the rent already covers the payment 1.2 times.
Why this score
The owner hasn’t listed it. Owners who aren’t selling usually want at least full value.
Data quality:
Fair Before you rely on these numbers
Our take
At the starting numbers, this home is a possible fit for a DSCR loan, with trade-offs. You would get $220 a month left over after vacancy and reserves, so the return on your cash is middling at 5.1% a year. Most lenders would make the loan on good terms since the rent covers the payment 1.39 times.
At your price the rent already covers the payment 1.2 times, yet getting this price would be hard because the owner has not listed the home and usually wants full value. The seller's tax bill of $787 is lower than an investor's estimated $4,954 a year because the seller's homestead exemption does not transfer to a rental. Get a real landlord insurance quote and a lender term sheet to firm up these estimates before making an offer.
Written by an AI model from the report’s starting numbers, then checked against them.
The rent covers the loan on typical terms.
Get your maximum offer and the path that fits, in about a minute.
Your assumptions
The line: Works on all threeTrade-offsDeal-breaker Your setting Lender lines Shaded: a range named on the chart
At this rent, a price of about $190,017 gets the rent to cover the payment 1.2 times.
Show as a table
| Price | DSCR | Payment/mo | Cash flow/mo | Fit |
|---|---|---|---|---|
| $87,000 | 1.77 | $1,108 | $523 | Deal-breaker (loan health, negotiation difficulty) |
| $93,063 | 1.72 | $1,140 | $492 | Deal-breaker (loan health, negotiation difficulty) |
| $99,125 | 1.68 | $1,171 | $460 | Deal-breaker (loan health, negotiation difficulty) |
| $105,188 | 1.64 | $1,197 | $434 | Deal-breaker (negotiation difficulty) |
| $111,250 | 1.60 | $1,229 | $402 | Deal-breaker (negotiation difficulty) |
| $117,313 | 1.56 | $1,260 | $371 | Deal-breaker (negotiation difficulty) |
| $123,375 | 1.52 | $1,291 | $340 | Trade-offs (negotiation difficulty) |
| $129,438 | 1.48 | $1,323 | $309 | Trade-offs (negotiation difficulty) |
| $135,500 | 1.46 | $1,347 | $284 | Trade-offs (negotiation difficulty) |
| $141,563 | 1.42 | $1,378 | $253 | Trade-offs (negotiation difficulty) |
| $147,625 | 1.39 | $1,409 | $222 | Trade-offs (negotiation difficulty) |
| $153,688 | 1.36 | $1,440 | $191 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $159,750 | 1.33 | $1,471 | $160 | Trade-offs (deal attractiveness) |
| $165,813 | 1.31 | $1,502 | $129 | Trade-offs (deal attractiveness) |
| $171,875 | 1.29 | $1,524 | $107 | Trade-offs (deal attractiveness) |
| $177,938 | 1.26 | $1,555 | $76 | Trade-offs (deal attractiveness) |
| $184,000 | 1.23 | $1,597 | $34 | Trade-offs (deal attractiveness) |
| $190,063 | 1.20 | $1,632 | −$1 | Deal-breaker (deal attractiveness) |
| $196,125 | 1.17 | $1,677 | −$46 | Deal-breaker (deal attractiveness) |
| $202,188 | 1.15 | $1,711 | −$80 | Deal-breaker (deal attractiveness) |
| $208,250 | 1.12 | $1,755 | −$124 | Deal-breaker (deal attractiveness) |
| $214,313 | 1.07 | $1,826 | −$195 | Deal-breaker (deal attractiveness) |
| $220,375 | 1.05 | $1,871 | −$240 | Deal-breaker (deal attractiveness) |
| $226,438 | 1.02 | $1,916 | −$285 | Deal-breaker (deal attractiveness) |
| $232,500 | 1.00 | $1,961 | −$329 | Deal-breaker (deal attractiveness) |
| $238,563 | 0.95 | $2,067 | −$436 | Deal-breaker (deal attractiveness) |
| $244,625 | 0.93 | $2,113 | −$482 | Deal-breaker (deal attractiveness) |
| $250,688 | 0.91 | $2,160 | −$529 | Deal-breaker (deal attractiveness) |
| $256,750 | 0.89 | $2,206 | −$575 | Deal-breaker (deal attractiveness) |
| $262,813 | 0.87 | $2,253 | −$621 | Deal-breaker (deal attractiveness) |
| $268,875 | 0.85 | $2,299 | −$668 | Deal-breaker (deal attractiveness) |
| $274,938 | 0.83 | $2,345 | −$714 | Deal-breaker (deal attractiveness) |
| $281,000 | 0.82 | $2,392 | −$761 | Deal-breaker (deal attractiveness) |
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $36,640 | $107 | 1.29 | Deal-breaker (loan health) |
| 16% | $38,120 | $108 | 1.29 | Deal-breaker (loan health) |
| 17% | $39,600 | $119 | 1.30 | Deal-breaker (loan health) |
| 18% | $41,080 | $129 | 1.31 | Deal-breaker (loan health) |
| 19% | $42,560 | $139 | 1.32 | Deal-breaker (loan health) |
| 20% | $44,040 | $150 | 1.32 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 21% | $45,520 | $160 | 1.33 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 22% | $47,000 | $170 | 1.34 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 23% | $48,480 | $181 | 1.35 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 24% | $49,960 | $191 | 1.36 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 25% | $51,440 | $220 | 1.39 | Trade-offs (negotiation difficulty) |
| 26% | $52,920 | $230 | 1.40 | Trade-offs (negotiation difficulty) |
| 27% | $54,400 | $240 | 1.41 | Trade-offs (negotiation difficulty) |
| 28% | $55,880 | $250 | 1.42 | Trade-offs (negotiation difficulty) |
| 29% | $57,360 | $261 | 1.43 | Trade-offs (negotiation difficulty) |
| 30% | $58,840 | $279 | 1.45 | Trade-offs (negotiation difficulty) |
| 31% | $60,320 | $289 | 1.46 | Trade-offs (negotiation difficulty) |
| 32% | $61,800 | $299 | 1.47 | Trade-offs (negotiation difficulty) |
| 33% | $63,280 | $303 | 1.48 | Trade-offs (negotiation difficulty) |
| 34% | $64,760 | $313 | 1.49 | Trade-offs (negotiation difficulty) |
| 35% | $66,240 | $331 | 1.51 | Trade-offs (negotiation difficulty) |
| 36% | $67,720 | $341 | 1.52 | Trade-offs (negotiation difficulty) |
| 37% | $69,200 | $351 | 1.53 | Trade-offs (negotiation difficulty) |
| 38% | $70,680 | $361 | 1.55 | Trade-offs (negotiation difficulty) |
| 39% | $72,160 | $371 | 1.56 | Trade-offs (negotiation difficulty) |
| 40% | $73,640 | $381 | 1.57 | Trade-offs (negotiation difficulty) |
| 41% | $75,120 | $390 | 1.58 | Trade-offs (negotiation difficulty) |
| 42% | $76,600 | $400 | 1.60 | Trade-offs (negotiation difficulty) |
| 43% | $78,080 | $410 | 1.61 | Trade-offs (negotiation difficulty) |
| 44% | $79,560 | $420 | 1.62 | Trade-offs (negotiation difficulty) |
| 45% | $81,040 | $430 | 1.64 | Trade-offs (negotiation difficulty) |
| 46% | $82,520 | $440 | 1.65 | Trade-offs (negotiation difficulty) |
| 47% | $84,000 | $450 | 1.66 | Trade-offs (negotiation difficulty) |
| 48% | $85,480 | $460 | 1.68 | Trade-offs (negotiation difficulty) |
| 49% | $86,960 | $470 | 1.69 | Trade-offs (negotiation difficulty) |
| 50% | $88,440 | $475 | 1.70 | Deal-breaker (loan health) |
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $36,640 | $107 | 1.29 | Deal-breaker (loan health) |
| 16% | $38,120 | $108 | 1.29 | Deal-breaker (loan health) |
| 17% | $39,600 | $119 | 1.30 | Deal-breaker (loan health) |
| 18% | $41,080 | $129 | 1.31 | Deal-breaker (loan health) |
| 19% | $42,560 | $139 | 1.32 | Deal-breaker (loan health) |
| 20% | $44,040 | $150 | 1.32 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 21% | $45,520 | $160 | 1.33 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 22% | $47,000 | $170 | 1.34 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 23% | $48,480 | $181 | 1.35 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 24% | $49,960 | $191 | 1.36 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 25% | $51,440 | $220 | 1.39 | Trade-offs (negotiation difficulty) |
| 26% | $52,920 | $230 | 1.40 | Trade-offs (negotiation difficulty) |
| 27% | $54,400 | $240 | 1.41 | Trade-offs (negotiation difficulty) |
| 28% | $55,880 | $250 | 1.42 | Trade-offs (negotiation difficulty) |
| 29% | $57,360 | $261 | 1.43 | Trade-offs (negotiation difficulty) |
| 30% | $58,840 | $279 | 1.45 | Trade-offs (negotiation difficulty) |
| 31% | $60,320 | $289 | 1.46 | Trade-offs (negotiation difficulty) |
| 32% | $61,800 | $299 | 1.47 | Trade-offs (negotiation difficulty) |
| 33% | $63,280 | $303 | 1.48 | Trade-offs (negotiation difficulty) |
| 34% | $64,760 | $313 | 1.49 | Trade-offs (negotiation difficulty) |
| 35% | $66,240 | $331 | 1.51 | Trade-offs (negotiation difficulty) |
| 36% | $67,720 | $341 | 1.52 | Trade-offs (negotiation difficulty) |
| 37% | $69,200 | $351 | 1.53 | Trade-offs (negotiation difficulty) |
| 38% | $70,680 | $361 | 1.55 | Trade-offs (negotiation difficulty) |
| 39% | $72,160 | $371 | 1.56 | Trade-offs (negotiation difficulty) |
| 40% | $73,640 | $381 | 1.57 | Trade-offs (negotiation difficulty) |
| 41% | $75,120 | $390 | 1.58 | Trade-offs (negotiation difficulty) |
| 42% | $76,600 | $400 | 1.60 | Trade-offs (negotiation difficulty) |
| 43% | $78,080 | $410 | 1.61 | Trade-offs (negotiation difficulty) |
| 44% | $79,560 | $420 | 1.62 | Trade-offs (negotiation difficulty) |
| 45% | $81,040 | $430 | 1.64 | Trade-offs (negotiation difficulty) |
| 46% | $82,520 | $440 | 1.65 | Trade-offs (negotiation difficulty) |
| 47% | $84,000 | $450 | 1.66 | Trade-offs (negotiation difficulty) |
| 48% | $85,480 | $460 | 1.68 | Trade-offs (negotiation difficulty) |
| 49% | $86,960 | $470 | 1.69 | Trade-offs (negotiation difficulty) |
| 50% | $88,440 | $475 | 1.70 | Deal-breaker (loan health) |
Show as a table
| Credit score | Estimated rate | Loan payment/mo | DSCR | Fit |
|---|---|---|---|---|
| 620 | 7.64% | $787 | 1.36 | Deal-breaker (loan health) |
| 630 | 7.64% | $787 | 1.36 | Deal-breaker (loan health) |
| 640 | 7.64% | $787 | 1.36 | Deal-breaker (loan health) |
| 650 | 7.64% | $787 | 1.36 | Deal-breaker (loan health) |
| 660 | 7.64% | $787 | 1.36 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 670 | 7.64% | $787 | 1.36 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 680 | 7.39% | $768 | 1.38 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 690 | 7.39% | $768 | 1.38 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 700 | 7.29% | $760 | 1.39 | Trade-offs (negotiation difficulty) |
| 710 | 7.29% | $760 | 1.39 | Trade-offs (negotiation difficulty) |
| 720 | 7.24% | $756 | 1.39 | Trade-offs (negotiation difficulty) |
| 730 | 7.24% | $756 | 1.39 | Trade-offs (negotiation difficulty) |
| 740 | 7.19% | $753 | 1.39 | Trade-offs (negotiation difficulty) |
| 750 | 7.19% | $753 | 1.39 | Trade-offs (negotiation difficulty) |
| 760 | 7.14% | $749 | 1.40 | Trade-offs (negotiation difficulty) |
| 770 | 7.14% | $749 | 1.40 | Trade-offs (negotiation difficulty) |
| 780 | 7.14% | $749 | 1.40 | Trade-offs (negotiation difficulty) |
| 790 | 7.14% | $749 | 1.40 | Trade-offs (negotiation difficulty) |
| 800 | 7.14% | $749 | 1.40 | Trade-offs (negotiation difficulty) |
| 810 | 7.14% | $749 | 1.40 | Trade-offs (negotiation difficulty) |
| 820 | 7.14% | $749 | 1.40 | Trade-offs (negotiation difficulty) |
Show as a table
| Rate | Loan payment/mo | DSCR | Cash flow/mo | Fit |
|---|---|---|---|---|
| 5.00% | $596 | 1.57 | $381 | Trade-offs (negotiation difficulty) |
| 5.25% | $613 | 1.55 | $364 | Trade-offs (negotiation difficulty) |
| 5.50% | $630 | 1.53 | $346 | Trade-offs (negotiation difficulty) |
| 5.75% | $648 | 1.51 | $329 | Trade-offs (negotiation difficulty) |
| 6.00% | $666 | 1.49 | $311 | Trade-offs (negotiation difficulty) |
| 6.25% | $683 | 1.47 | $293 | Trade-offs (negotiation difficulty) |
| 6.50% | $702 | 1.45 | $275 | Trade-offs (negotiation difficulty) |
| 6.75% | $720 | 1.43 | $257 | Trade-offs (negotiation difficulty) |
| 7.00% | $738 | 1.41 | $238 | Trade-offs (negotiation difficulty) |
| 7.25% | $757 | 1.39 | $219 | Trade-offs (negotiation difficulty) |
| 7.50% | $776 | 1.37 | $201 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 7.75% | $795 | 1.35 | $181 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 8.00% | $814 | 1.34 | $162 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 8.25% | $834 | 1.32 | $143 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 8.50% | $853 | 1.30 | $123 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 8.75% | $873 | 1.28 | $103 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 9.00% | $893 | 1.27 | $84 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 9.25% | $913 | 1.25 | $64 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 9.50% | $933 | 1.24 | $43 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 9.75% | $954 | 1.22 | $23 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 10.00% | $974 | 1.20 | $3 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 10.25% | $995 | 1.19 | −$18 | Deal-breaker (deal attractiveness) |
| 10.50% | $1,015 | 1.17 | −$39 | Deal-breaker (deal attractiveness) |
| 10.75% | $1,036 | 1.16 | −$59 | Deal-breaker (deal attractiveness) |
| 11.00% | $1,057 | 1.15 | −$80 | Deal-breaker (deal attractiveness) |
| 11.25% | $1,078 | 1.13 | −$101 | Deal-breaker (deal attractiveness) |
| 11.50% | $1,099 | 1.12 | −$123 | Deal-breaker (deal attractiveness) |
| 11.75% | $1,120 | 1.10 | −$144 | Deal-breaker (deal attractiveness) |
| 12.00% | $1,142 | 1.09 | −$165 | Deal-breaker (deal attractiveness) |
At this price, a rent of about $1,693 would reach DSCR 1.2.
Show as a table
| Rent | DSCR | Cash flow/mo | Cash-on-cash | Fit |
|---|---|---|---|---|
| $1,375 | 0.93 | −$339 | −7.92% | Deal-breaker (deal attractiveness) |
| $1,412 | 0.95 | −$309 | −7.21% | Deal-breaker (deal attractiveness) |
| $1,448 | 1.00 | −$240 | −5.6% | Deal-breaker (deal attractiveness) |
| $1,485 | 1.03 | −$210 | −4.89% | Deal-breaker (deal attractiveness) |
| $1,522 | 1.05 | −$179 | −4.18% | Deal-breaker (deal attractiveness) |
| $1,559 | 1.08 | −$149 | −3.47% | Deal-breaker (deal attractiveness) |
| $1,595 | 1.12 | −$99 | −2.32% | Deal-breaker (deal attractiveness) |
| $1,632 | 1.14 | −$69 | −1.61% | Deal-breaker (deal attractiveness) |
| $1,669 | 1.17 | −$39 | −0.9% | Deal-breaker (deal attractiveness) |
| $1,705 | 1.20 | −$8 | −0.19% | Deal-breaker (deal attractiveness) |
| $1,742 | 1.22 | $22 | 0.52% | Trade-offs (deal attractiveness, negotiation difficulty) |
| $1,779 | 1.26 | $62 | 1.45% | Trade-offs (deal attractiveness, negotiation difficulty) |
| $1,816 | 1.28 | $92 | 2.16% | Trade-offs (deal attractiveness, negotiation difficulty) |
| $1,852 | 1.31 | $123 | 2.86% | Trade-offs (deal attractiveness, negotiation difficulty) |
| $1,889 | 1.33 | $153 | 3.57% | Trade-offs (deal attractiveness, negotiation difficulty) |
| $1,926 | 1.36 | $184 | 4.28% | Trade-offs (deal attractiveness, negotiation difficulty) |
| $1,963 | 1.39 | $214 | 4.99% | Trade-offs (negotiation difficulty) |
| $1,999 | 1.41 | $244 | 5.7% | Trade-offs (negotiation difficulty) |
| $2,036 | 1.44 | $275 | 6.41% | Trade-offs (negotiation difficulty) |
| $2,073 | 1.46 | $305 | 7.12% | Trade-offs (negotiation difficulty) |
| $2,109 | 1.49 | $336 | 7.83% | Trade-offs (negotiation difficulty) |
| $2,146 | 1.52 | $366 | 8.54% | Trade-offs (negotiation difficulty) |
| $2,183 | 1.54 | $396 | 9.25% | Trade-offs (negotiation difficulty) |
| $2,220 | 1.57 | $427 | 9.96% | Trade-offs (negotiation difficulty) |
| $2,256 | 1.59 | $457 | 10.67% | Trade-offs (negotiation difficulty) |
| $2,293 | 1.62 | $488 | 11.38% | Trade-offs (negotiation difficulty) |
| $2,330 | 1.65 | $518 | 12.08% | Trade-offs (negotiation difficulty) |
| $2,366 | 1.67 | $548 | 12.79% | Trade-offs (negotiation difficulty) |
| $2,403 | 1.70 | $579 | 13.5% | Trade-offs (negotiation difficulty) |
| $2,440 | 1.72 | $609 | 14.21% | Trade-offs (negotiation difficulty) |
| $2,477 | 1.75 | $640 | 14.92% | Trade-offs (negotiation difficulty) |
| $2,513 | 1.78 | $670 | 15.63% | Trade-offs (negotiation difficulty) |
| $2,550 | 1.80 | $700 | 16.34% | Trade-offs (negotiation difficulty) |
Each point of vacancy is about $236 a year of rent you don’t collect.
Show as a table
| Vacancy | Rent collected/mo | Cash flow/mo | Fit |
|---|---|---|---|
| 0% | $1,970 | $362 | Trade-offs (negotiation difficulty) |
| 1% | $1,950 | $344 | Trade-offs (negotiation difficulty) |
| 2% | $1,931 | $327 | Trade-offs (negotiation difficulty) |
| 3% | $1,911 | $309 | Trade-offs (negotiation difficulty) |
| 4% | $1,891 | $291 | Trade-offs (negotiation difficulty) |
| 5% | $1,872 | $273 | Trade-offs (negotiation difficulty) |
| 6% | $1,852 | $256 | Trade-offs (negotiation difficulty) |
| 7% | $1,832 | $238 | Trade-offs (negotiation difficulty) |
| 8% | $1,812 | $220 | Trade-offs (negotiation difficulty) |
| 9% | $1,793 | $202 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 10% | $1,773 | $185 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 11% | $1,753 | $167 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 12% | $1,734 | $149 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 13% | $1,714 | $132 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 14% | $1,694 | $114 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 15% | $1,675 | $96 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 16% | $1,655 | $78 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 17% | $1,635 | $61 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 18% | $1,615 | $43 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 19% | $1,596 | $25 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 20% | $1,576 | $7 | Trade-offs (deal attractiveness, negotiation difficulty) |
| 21% | $1,556 | −$10 | Deal-breaker (deal attractiveness) |
| 22% | $1,537 | −$28 | Deal-breaker (deal attractiveness) |
| 23% | $1,517 | −$46 | Deal-breaker (deal attractiveness) |
| 24% | $1,497 | −$63 | Deal-breaker (deal attractiveness) |
| 25% | $1,478 | −$81 | Deal-breaker (deal attractiveness) |
More assumptions: management, set-asides and renovation
- Set aside: empty months, repairs
- Loan payment, taxes, insurance and HOA
- Cash flow
What’s left after empty months, set-asides and the payment is your cash flow: $220 a month.
Show as a table
| Line | Per month | Share of rent |
|---|---|---|
| Empty months (vacancy) | $158 | 8% |
| Repairs and big replacements | $181 | 9% |
| Loan payment, taxes, insurance and HOA | $1,411 | 72% |
| Cash flow | $220 | 11% |
Paid from your cash, so a bigger budget means more cash to close for the same rent, and a lower return.
Show as a table
| Renovation | Cash to close | Cash flow/mo | Cash-on-cash | DSCR | Fit |
|---|---|---|---|---|---|
| $0 | $41,440 | $220 | 6.38% | 1.39 | Trade-offs (negotiation difficulty) |
| $5,000 | $46,440 | $220 | 5.69% | 1.39 | Trade-offs (negotiation difficulty) |
| $10,000 | $51,440 | $220 | 5.14% | 1.39 | Trade-offs (negotiation difficulty) |
| $15,000 | $56,440 | $220 | 4.68% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $20,000 | $61,440 | $220 | 4.3% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $25,000 | $66,440 | $220 | 3.98% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $30,000 | $71,440 | $220 | 3.7% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $35,000 | $76,440 | $220 | 3.46% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $40,000 | $81,440 | $220 | 3.24% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $45,000 | $86,440 | $220 | 3.06% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $50,000 | $91,440 | $220 | 2.89% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $55,000 | $96,440 | $220 | 2.74% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $60,000 | $101,440 | $220 | 2.61% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $65,000 | $106,440 | $220 | 2.48% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $70,000 | $111,440 | $220 | 2.37% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $75,000 | $116,440 | $220 | 2.27% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $80,000 | $121,440 | $220 | 2.18% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $85,000 | $126,440 | $220 | 2.09% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $90,000 | $131,440 | $220 | 2.01% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $95,000 | $136,440 | $220 | 1.94% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
| $100,000 | $141,440 | $220 | 1.87% | 1.39 | Trade-offs (deal attractiveness, negotiation difficulty) |
Does the rent cover the loan?
At the starting price of $148,000 with 25% down, the rent of $1,970 a month covers the monthly payment 1.39 times. That’s at or above 1.25, where lenders offer their best pricing.
0.601.001.201.40
| What it pays for | Where the number comes from | Per month |
|---|---|---|
| Loan payment | $111,000 loan at 7.240% over 30 years, at our estimated rate. | $756 |
| Property taxes | Your tax rate as an investor on $188,259, with no exemptions. See the tax details below. | $413 |
| Insurance | Our middle estimate. See the insurance details below. | $242 |
| HOA dues | None found. | $0 |
| Total (PITIA) | $1,411 |
How the estimated rate is built
DSCR lenders price a loan from a starting rate plus add-ons. These come from published lender pricing as of Oct 8, 2026. A real lender’s quote will differ.
| Starting rate | 6.690% |
|---|---|
| Credit score 720–739 | +0.100% |
| Loan of 75% of the price or less | +0.250% |
| Loan size $100k–$125k | +0.200% |
| Rent coverage 1.25+ | +0.000% |
| Estimated rate | 7.240% |
Where these rates come from
Starting rate and DSCR/LTV add-ons from a 12-lender DSCR panel sheet (dscrcapitalpartners.com, week of 2026-09-21); credit-score and loan-size add-ons from OfferMarket’s published DSCR pricing (offermarket.us); cross-checked against OfferMarket’s DSCR rate index and DSCR Authority’s rate tables (2026-10-01). Read 2026-10-08.
What it would take to reach 1.2
It’s already there at this price and rent.
Show me the math
- Loan
- price × (1 − down payment) = $148,000 × (1 − 25%) = $111,000, a of 75%
- Loan payment (principal and interest)
- $111,000 at 7.240%, paid off evenly over 30 years = $756 a month
- Full monthly payment (PITIA)
- $756 + taxes $413 + insurance $242 + HOA $0 = $1,411
- DSCR
- rent ÷ payment = $1,970 ÷ $1,411 = 1.39 (the full rent, nothing off for empty months, as lenders count it)
- Rent you actually collect
- rent × (1 − vacancy) = $1,970 × (1 − 8%) = $1,812
- Set aside each month
- $1,812 × (0% management + 5% repairs + 5% big replacements) = $181
- Monthly cash flow
- $1,812 − $181 − $1,411 = $220
- Cash to close
- down payment $37,000 + closing costs 3% ($4,440) + renovation $10,000 = $51,440
- Cash-on-cash return
- 12 × $220 ÷ $51,440 = 5.14% a year
Local details behind the numbers
Your property taxes as an investor
About $4,954 a year ($413 a month) on a taxable value of $188,259 (the county’s market value, which is higher than the starting price of $148,000)
2.63% a year ($2.6314 per $100, 2026 rates, with some districts still on last year’s rate)
See the tax details
Texas writes tax rates of value. This is what you’d pay as a landlord once the county reassesses the home: your price or the county’s market value, whichever is higher, times every tax rate on this home. There are no exemptions, because they don’t transfer to an investor. Lenders figure taxes the same way.
The seller’s bill vs. yours
Last year’s value ($208,243) times this home’s rates comes to about $787, after their exemptions. You’d pay about $4,954, which is $4,166 more.
Why yours is likely higher:
- The seller gets a homestead exemption for living there, which lowers their taxable value. A rental doesn’t get it.
- The seller has another tax break, like one for veterans. You won’t get it as an investor.
The and its stay with the seller.
| Taxing district | Kind | Rate per $100 | Per year |
|---|---|---|---|
| GOOSE CREEK CISD | School district | 1.0700 (2025) | $2,014 |
| HARRIS COUNTY | County | 0.4175 (2026) | $786 |
| HARRIS CO FLOOD CNTRL | Flood control | 0.0527 (2026) | $99 |
| PORT OF HOUSTON AUTHY | Port authority | 0.0060 (2026) | $11 |
| HARRIS CO HOSP DIST | Hospital district | 0.1953 (2026) | $368 |
| HARRIS CO EDUC DEPT | County education department | 0.0048 (2026) | $9 |
| LEE JR COLLEGE DIST | Community college | 0.1871 (2025) | $352 |
| CITY OF BAYTOWN | City | 0.6980 (2025) | $1,314 |
| Total | 2.6314 | $4,954 |
Each line is a separate local government with its own rate. Rates are set every fall, and each line shows its latest adopted rate. Your payment depends only on the total.
Words to know: · · · · ·
Harris County appraisal district account 1055540000008 (3503 KNIGHT, BAYTOWN, 77521), from Harris County’s Truth-in-Taxation record, read Oct 30, 2026. Exemptions on record: exemptions on record, residential homestead (multiple). This is our estimate. Check it against the seller’s tax statement.
What it could rent for
About $1,970/month likely $1,740 to $2,200
Fair A good starting point. Check it against a recent lease nearby. Why: the nearby rentals are far away.
See what this rent is based on
These are : RentCast’s estimate for a long-term lease, built from 15 similar rentals nearby. The range is where the rent should land 85% of the time. Rents in Greater Houston have been flat, so plan around the middle or lower part of the range until a real lease says otherwise.
The rentals it compared
15 homes, usually 1 miles away, renting for $1,500 to $2,300 (the middle one: $2,000). 4 of them were on the market in the last 90 days.
They rent for about $1.18 per square foot. At this home’s size, that’s about $1,995/month.
How long nearby rentals took to lease
About 20 days (the middle of the rentals that left the market). 2 of the 15 are still listed.
Every week a rental sits empty is a week without rent. The report’s vacancy setting (8% of the year) covers time like this between tenants. We left out 1 listing that has been up for months, which is usually an apartment complex’s standing ad.
Rent compared with the price
The rent is 1.33% of the price each month, so the price is about 6.3 years of rent.
A quick check some investors use is the “1% rule”: monthly rent of at least 1% of the price. It’s a rule of thumb. Lenders don’t use it; the DSCR, taxes and insurance decide whether a deal works.
What the estimate is based on
Single Family · 3 beds · 2 baths · 1,683 sq ft, from the home’s details.
Last sale on record
Mar 10, 2025
Texas doesn’t make sale prices public, so the price isn’t on record.
How lenders count rent: A DSCR lender counts the lower of your signed lease and the appraiser’s rent estimate. An estimate here doesn’t replace either, so confirm it with a local leasing agent before you make an offer. The appraiser’s estimate is the .
See the 15 rentals RentCast compared
| Rental | Beds / baths | Sq ft | Rent | Per sq ft | Distance | On the market |
|---|---|---|---|---|---|---|
| 3302 Tompkins Dr | 3 / 2 | 1,685 | $1,995 | $1.18 | 0.1 mi | Left after 74 days · seen Jun 28, 2026 |
| 4205 Queenswood St | 3 / 2 | 1,612 | $2,100 | $1.30 | 0.2 mi | Left after 10 days · seen Sep 12, 2026 |
| 3919 Sugardale St | 3 / 2 | 1,556 | $2,300 | $1.48 | 0.3 mi | Still listed after 133 days · seen Oct 29, 2026 |
| 3305 Tompkins Dr | 3 / 2 | 1,927 | $2,200 | $1.14 | 0.1 mi | Left after 2 days · seen May 12, 2026 |
| 5827 Dylan Dr | 3 / 2 | 1,568 | $1,500 | $0.96 | 1 mi | Left after 11 days · seen Jul 13, 2026 |
| 3605 Trailwood Dr | 3 / 2 | 1,899 | $2,000 | $1.05 | 0.5 mi | Left after 512 days · seen Aug 2, 2026 |
| 9834 Palm Royal Dr | 3 / 2 | 1,595 | $2,200 | $1.38 | 1.5 mi | Left after 25 days · seen Jul 16, 2026 |
| 1404 Cactus St | 3 / 2 | 1,578 | $1,695 | $1.07 | 1.4 mi | Left after 50 days · seen Jul 15, 2026 |
| 3800 Kingsway Dr | 3 / 2 | 1,444 | $1,800 | $1.25 | 0.2 mi | Still listed after 44 days · seen Oct 29, 2026 |
| 1604 Broken Arrow St | 3 / 2 | 1,561 | $2,100 | $1.35 | 1.3 mi | Left after 33 days · seen May 2, 2026 |
| 4313 Lariat Dr | 3 / 2 | 1,549 | $1,595 | $1.03 | 1.2 mi | Left after 10 days · seen Jun 25, 2026 |
| 1607 Hartt St | 3 / 2 | 1,654 | $1,750 | $1.06 | 2.3 mi | Left after 5 days · seen Apr 1, 2026 |
| 3937 Tumbleweed Ln | 3 / 2 | 1,834 | $2,150 | $1.17 | 1.3 mi | Left after 33 days · seen May 8, 2026 |
| 3330 Red Cedar Dr | 3 / 2 | 1,477 | $1,900 | $1.29 | 0.8 mi | Left after 14 days · seen May 4, 2026 |
| 6618 Beacon View Dr | 3 / 2 | 1,665 | $2,200 | $1.32 | 2.6 mi | Left after 31 days · seen Apr 13, 2026 |
RentCast’s rent estimate, read Oct 30, 2026.
Insurance you’ll need as a landlord
About $2,175 to $3,625 a year
$242 a month goes into the payment estimate.
See the flood zone and coastal wind
Lenders want a with . We priced it from the Texas Department of Insurance’s 2025 county averages, sized to this home (1,683 sq ft). Prices vary a lot by ZIP code, roof age and claims history, so this is a range. Get real quotes before you buy.
| Policy | Per year | How we estimated it |
|---|---|---|
| Home | $2,900 | 1,683 sq ft × $175 a sq ft to rebuild = $294,525 of coverage. We priced it at the 2025 rate for Harris County, $8.95 per $1,000, plus extra for a landlord policy. |
| Flood (optional) | $1,260 | Not in the payment estimate, shown so you can budget for it. The typical price of a new federal flood policy, for this ZIP code, as of Aug 31, 2023. |
| In the payment | $2,900 | Range $2,175 to $3,625 |
Zone X (0.2 pct annual chance flood hazard) is a medium-risk area: the 500-year floodplain, or land behind a levee. Flood insurance isn’t required, but it’s worth having.
The zone comes from FEMA’s current flood map. FEMA’s draft maps for Harris County put more homes in the high-risk zone, so a home near a bayou may change zones. If the seller has a federal flood policy, ask to take it over at closing. It can keep a lower price. Most flood policies come from the .
No. Wind and hail are part of the regular policy here (in Harris County only La Porte, Morgan’s Point, Pasadena, Seabrook and Shoreacres, east of Highway 146, are in TWIA’s area).
: Policies here charge a percent of the home’s coverage for wind and hail claims: 2% is standard, about $5,891 on this home, and 3% to 5% nearer the coast. That’s what you’d pay first after a hailstorm, so keep it in your savings.
These are a model’s estimates. Rates: Texas Department of Insurance county averages for 2025. Flood prices: FEMA’s federal flood program, as of Aug 31, 2023. Flood zone: FEMA’s flood map, read Oct 30, 2026. Get a real landlord policy quote before you make an offer.
What it’s worth
- $216,500
- $188,259 for 2026
- An automated estimate, nudged a little toward the county’s value, read Oct 30, 2026. It isn’t an appraisal.
- From the Harris Central Appraisal District. It’s the value the county taxes on. It’s set mostly from last year’s sales, so it trails the market.
See more about this value
- The numbers on this page start from the highest price where the numbers work ($148,000). You can change it under “Your assumptions”.
- Texas doesn’t make sale prices public, so every value estimate here is rougher than in most states. Treat it as a range.
The home
Not for sale right now. Many investor deals start as a conversation with an owner whose home isn’t listed.
We didn’t find HOA dues for this home. That can mean there aren’t any, or that they weren’t entered. Ask the seller or the agent.
See the home’s details
- Property type
- Single-family home
- Bedrooms / bathrooms
- 3 / 2
- Living area
- 1,683 sq ft
- Lot
- 9,801 sq ft
- Year built
- 1975
- Not known
- The seller’s property tax
- Assessed value $208,243 (from public records)
This is the seller’s bill. As an investor you’ll likely pay more: their homestead exemption doesn’t transfer, and the taxable value resets toward your price after the sale.
Home details read Oct 30, 2026. They can be out of date or wrong, so confirm them with the agent or seller.
Before you rely on these numbers
For this home
- The closest match we found was a different home, so we didn’t use it. If you have this home’s listing link, run the report with that instead.
For every report
- Every number here is an estimate. Before you make an offer, get a lender’s quote, an insurance quote, and a recent lease nearby to check the rent.
- Property taxes reset after a purchase. The seller’s exemptions and caps don’t transfer, and the taxable value moves toward your price.
- Get a real landlord insurance quote. Prices vary a lot by ZIP code, roof age and flood zone.
- Check the rent against a recent lease nearby. Lenders use the lower of your signed lease and the appraiser’s rent estimate.
- Texas doesn’t make sale prices public, so every home value estimate here is rough. Ask an agent for recent sales nearby before you make an offer.
Talk it through before you make an offer.
An instant DSCR loan quote from OfferMarket, one of the lenders we work with. There’s no credit check, and our link takes $250 off your closing costs.
The intro call takes 20 minutes, with nothing to prepare. Within 24 hours we send you a personalized rental roadmap (opens in a new tab).
New to this? Start with the Greater Houston DSCR Loan Guide (opens in a new tab).
If you close a loan with OfferMarket using our link, you’ll receive a $250 closing cost credit and DSCR Labs will receive $250. The credit is for new OfferMarket clients whose first loan funds. You’re never required to use a lender we recommend, and we encourage you to compare offers.
Report zsxwpfnjiv · created Oct 30, 2026
About this report
We made this report automatically from county tax records, FEMA flood maps, Texas insurance data and nearby rentals. We check the summary against the numbers. It’s an estimate, not an appraisal or a loan approval.
Is something wrong, or do you want this page taken down? Email us.
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