---
title: "16961 Mockingbird Ct, Conroe, TX 77385: DSCR and rental numbers | DSCR Labs"
description: "Conroe rental numbers: rent about $1,570 a month, DSCR 1.10 at 25% down, taxes 2.20% a year. A free Greater Houston DSCR Snapshot, updated Oct 13, 2026."
url: https://dscrlabs.com/calculator/tx/conroe/16961-mockingbird-ct-77385/arjji6xy
---

# 16961 Mockingbird Ct, Conroe, TX 77385

For sale at $185,000. 2 bedrooms, 1 bathrooms, 1,045 sq ft, built 1981. Updated Oct 13, 2026.

## Summary

At the starting numbers, this home is not a good fit for a DSCR loan. The deal loses money each month. The rent covers the monthly payment 1.10 times (DSCR 1.10), and you would put in $127 a month after vacancy and reserves.

With the other settings as they are, a price from $116,000 to $138,000 works on all three scores. Getting a price in that range would be possible with a motivated seller. The home is in a municipal utility district (MUD): Mont Co MUD 15 adds 0.62% to the tax rate, and the county labels it a developing district whose rate can change. Before making an offer, ask a local leasing agent what homes like this one have actually leased for.

## The numbers at the default assumptions

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

| | |
| --- | ---: |
| Price | $185,000 (the asking price) |
| Down payment | 25% ($46,250) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.27% |
| Monthly payment (PITIA) | $1,427 |
| Principal and interest | $948 |
| Property taxes | $340 |
| Insurance | $119 |
| HOA dues | $20 |
| Rent (estimate) | $1,570 (likely $1,340 to $1,790, from 15 rentals) |
| DSCR | 1.10 (the rent covers the payment 1.10 times) |
| Monthly cash flow | −$127 |
| Cash to close | $61,800 |
| Cash-on-cash return | −2.47% |

## Taxes

Combined tax rate 2.20% a year (2026 rates), including a MUD. It uses no homestead exemption, because that ends when a home sells.

## Flood and insurance

FEMA flood zone X. Insurance estimate: $1,075 to $1,791 a year.

## Before you rely on these numbers

- 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/conroe/16961-mockingbird-ct-77385/arjji6xy

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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.