---
title: "10947 Water Hyssop Ln, Cypress, TX 77433: DSCR and rental numbers | DSCR Labs"
description: "Cypress rental numbers: rent about $2,850 a month, DSCR 1.02 at 25% down, taxes 3.27% a year. A free Greater Houston DSCR Snapshot, updated Oct 15, 2026."
url: https://dscrlabs.com/calculator/tx/cypress/10947-water-hyssop-ln-77433/rbcq2s37
---

# 10947 Water Hyssop Ln, Cypress, TX 77433

For sale at $449,900. 4 bedrooms, 2 bathrooms, 2,227 sq ft, built 2023. Updated Oct 15, 2026.

## Summary

At the starting numbers, this home is not a good fit for a DSCR loan. You would put in $430 a month after vacancy and reserves, so the return on your cash is weak. Most lenders would still make the loan, but the rent covers the payment only 1.02 times. The home is in a FEMA high-risk flood zone that requires extra insurance.

For the numbers to work, the price would need to drop to about $149,000, which would be close to impossible to get. A rent of about $3,348 a month would also work, but that is above the likely range. The MUD on this home adds 1.00% to the tax rate, which is a big part of the gap. Before you make 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 | $225,000 (half the asking price or value) |
| Down payment | 25% ($56,250) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.41% |
| Monthly payment (PITIA) | $2,790 |
| Principal and interest | $1,170 |
| Property taxes | $1,121 |
| Insurance | $386 |
| HOA dues | $113 |
| Rent (estimate) | $2,850 (likely $2,600 to $3,090, from 15 rentals) |
| DSCR | 1.02 (the rent covers the payment 1.02 times) |
| Monthly cash flow | −$430 |
| Cash to close | $73,000 |
| Cash-on-cash return | −7.07% |

## Taxes

Combined tax rate 3.27% 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 AE: a high-risk zone, so a lender will require flood insurance. Insurance estimate: $3,476 to $5,793 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/cypress/10947-water-hyssop-ln-77433/rbcq2s37

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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.