---
title: "3503 Knight Ln, Baytown, TX 77521: DSCR and rental numbers | DSCR Labs"
description: "Baytown rental numbers: rent about $1,970 a month, DSCR 1.39 at 25% down, taxes 2.63% a year. A free Greater Houston DSCR Snapshot, updated Oct 30, 2026."
url: https://dscrlabs.com/calculator/tx/baytown/3503-knight-ln-77521/ba68uruw
---

# 3503 Knight Ln, Baytown, TX 77521

Not for sale right now. 3 bedrooms, 2 bathrooms, 1,683 sq ft, built 1975. Updated Oct 30, 2026.

## Summary

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.

## The numbers at the default assumptions

With 25% down and the estimated rate. Try your own numbers on the page.

| | |
| --- | ---: |
| Price | $148,000 (the highest price where the numbers work) |
| Down payment | 25% ($37,000) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.24% |
| Monthly payment (PITIA) | $1,411 |
| Principal and interest | $756 |
| Property taxes | $413 |
| Insurance | $242 |
| HOA dues | $0 |
| Rent (estimate) | $1,970 (likely $1,740 to $2,200, from 15 rentals) |
| DSCR | 1.39 (the rent covers the payment 1.39 times) |
| Monthly cash flow | $220 |
| Cash to close | $51,440 |
| Cash-on-cash return | 5.14% |

## Taxes

Combined tax rate 2.63% a year (2026 rates). It uses no homestead exemption, because that ends when a home sells.

## Flood and insurance

FEMA flood zone X. Insurance estimate: $2,175 to $3,625 a year.

## Before you rely on these numbers

- 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.
- 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.

## Sources

U.S. Census Bureau, county tax records, FEMA’s flood map, the Texas Department of Insurance and RentCast. See how we make these reports: https://dscrlabs.com/calculator/methodology.md

Try your own price, down payment and rent on the report page: https://dscrlabs.com/calculator/tx/baytown/3503-knight-ln-77521/ba68uruw

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[Greater Houston DSCR Calculator](https://dscrlabs.com/) by [DSCR Labs](https://dscrlabs.com/). This is an estimate, not a loan approval.