Weak
Deal attractiveness
0/100
Your would be −6.7%. You’d lose money on the cash you put in, so it scores 0.
Negative cash flow at these numbers
DSCR Snapshot
1514 Sealy St Galveston, TX 77550
This is an estimate, not a loan approval.
· first published Oct 15, 2026
At a glance
Your numbers: $255,000 price · 25% down · $2,930 a month rent · 7.415% rate · 8% vacancy · $10,000 renovation in cash Change the numbers
Rent coverage ()
1.01
Covers the payment, but under 1.2
Monthly cash flow
−$457
You’d add money each month
$81,400
25% down, closing costs and renovation
−6.74%
A year, on the cash you bring
A deal-breaker: getting this price would be close to impossible and the deal loses money each month. With your other settings, no price works on all three. See your maximum offer
Three scores, out of 100
Fair terms likely
Loan health
67/100
Most lenders would likely make this loan. The weak spot is rent coverage (1.01×).
Why this score
How good the loan terms would likely be, and how many lenders would make this loan:
- Rent coverage
- 1.01× okay
- Credit score
- 720 strong
- Down payment The loan is 75% of your price.
- 25% strong
- Lenders likely to say yes
- most
Hard
Negotiation difficulty
94/100
Your price is 50% under the estimated home value. A seller is very unlikely to agree to it.
For the rent to cover the payment 1.2 times, the price would need to be about $174,000, 66% under the estimated home value. That would be close to impossible to get.
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 not a good fit for a DSCR loan. You would put in $457 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 1.01 times. The home is in a FEMA high-risk flood zone, which requires extra insurance.
For the numbers to work, the price would need to drop to about $174,000, which is close to impossible to get from an owner who has not listed the home. A rent of about $3,460 a month would also work, but that is above what homes nearby rent for. Property taxes take 33% of the gross rent, which is high even for Greater Houston. Before you make an offer, ask a local leasing agent what homes like this one have actually leased for.
Written by an AI model from the report’s starting numbers, then checked against them.
At $174,404 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 $174,404 gets the rent to cover the payment 1.2 times. Taxes would stay at the county’s value, which is higher.
Show as a table
| Price | DSCR | Payment/mo | Cash flow/mo | Fit |
|---|---|---|---|---|
| $174,404 | 1.19 | $2,451 | −$24 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $189,642 | 1.15 | $2,529 | −$103 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $204,879 | 1.12 | $2,596 | −$170 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $220,116 | 1.08 | $2,702 | −$276 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $235,354 | 1.05 | $2,781 | −$355 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $250,591 | 1.02 | $2,860 | −$434 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $265,829 | 0.97 | $3,008 | −$582 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $281,066 | 0.94 | $3,091 | −$665 | Deal-breaker (deal attractiveness) |
| $296,303 | 0.92 | $3,174 | −$748 | Deal-breaker (deal attractiveness) |
| $311,541 | 0.89 | $3,258 | −$832 | Deal-breaker (deal attractiveness) |
| $326,778 | 0.87 | $3,341 | −$915 | Deal-breaker (deal attractiveness) |
| $342,015 | 0.85 | $3,424 | −$998 | Deal-breaker (deal attractiveness) |
| $357,253 | 0.83 | $3,507 | −$1,081 | Deal-breaker (deal attractiveness) |
| $372,490 | 0.81 | $3,590 | −$1,164 | Deal-breaker (deal attractiveness) |
| $387,727 | 0.79 | $3,673 | −$1,247 | Deal-breaker (deal attractiveness) |
| $402,965 | 0.77 | $3,757 | −$1,331 | Deal-breaker (deal attractiveness) |
| $418,202 | 0.76 | $3,840 | −$1,414 | Deal-breaker (deal attractiveness) |
| $433,440 | 0.74 | $3,923 | −$1,497 | Deal-breaker (deal attractiveness, loan health) |
| $448,677 | 0.73 | $4,006 | −$1,580 | Deal-breaker (deal attractiveness, loan health) |
| $463,914 | 0.71 | $4,089 | −$1,663 | Deal-breaker (deal attractiveness, loan health) |
| $479,152 | 0.70 | $4,173 | −$1,746 | Deal-breaker (deal attractiveness, loan health) |
| $494,389 | 0.68 | $4,256 | −$1,830 | Deal-breaker (deal attractiveness, loan health) |
| $509,626 | 0.67 | $4,339 | −$1,913 | Deal-breaker (deal attractiveness, loan health) |
| $524,864 | 0.66 | $4,422 | −$1,996 | Deal-breaker (deal attractiveness, loan health) |
| $540,101 | 0.65 | $4,505 | −$2,079 | Deal-breaker (deal attractiveness, loan health) |
| $555,338 | 0.63 | $4,588 | −$2,162 | Deal-breaker (deal attractiveness, loan health) |
| $570,576 | 0.62 | $4,672 | −$2,246 | Deal-breaker (deal attractiveness, loan health) |
| $585,813 | 0.61 | $4,755 | −$2,329 | Deal-breaker (deal attractiveness, loan health) |
| $601,051 | 0.60 | $4,838 | −$2,412 | Deal-breaker (deal attractiveness, loan health) |
| $616,288 | 0.59 | $4,921 | −$2,495 | Deal-breaker (deal attractiveness, loan health) |
| $631,525 | 0.58 | $5,004 | −$2,578 | Deal-breaker (deal attractiveness, loan health) |
| $646,763 | 0.57 | $5,087 | −$2,661 | Deal-breaker (deal attractiveness, loan health) |
| $662,000 | 0.56 | $5,171 | −$2,745 | Deal-breaker (deal attractiveness, loan health) |
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $55,900 | −$746 | 0.92 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 16% | $58,450 | −$727 | 0.92 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 17% | $61,000 | −$708 | 0.93 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 18% | $63,550 | −$689 | 0.94 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 19% | $66,100 | −$670 | 0.94 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 20% | $68,650 | −$651 | 0.95 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 21% | $71,200 | −$632 | 0.95 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 22% | $73,750 | −$613 | 0.96 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 23% | $76,300 | −$594 | 0.97 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 24% | $78,850 | −$575 | 0.97 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 25% | $81,400 | −$457 | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 26% | $83,950 | −$439 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 27% | $86,500 | −$422 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 28% | $89,050 | −$404 | 1.03 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 29% | $91,600 | −$386 | 1.04 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 30% | $94,150 | −$353 | 1.05 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 31% | $96,700 | −$336 | 1.06 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 32% | $99,250 | −$318 | 1.06 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 33% | $101,800 | −$301 | 1.07 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 34% | $104,350 | −$284 | 1.08 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 35% | $106,900 | −$224 | 1.10 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 36% | $109,450 | −$207 | 1.11 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 37% | $112,000 | −$191 | 1.11 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 38% | $114,550 | −$174 | 1.12 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 39% | $117,100 | −$157 | 1.13 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 40% | $119,650 | −$140 | 1.14 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 41% | $122,200 | −$123 | 1.14 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 42% | $124,750 | −$116 | 1.15 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 43% | $127,300 | −$99 | 1.16 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 44% | $129,850 | −$82 | 1.16 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 45% | $132,400 | −$65 | 1.17 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 46% | $134,950 | −$48 | 1.18 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 47% | $137,500 | −$31 | 1.19 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 48% | $140,050 | −$14 | 1.20 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 49% | $142,600 | $3 | 1.20 | Deal-breaker (negotiation difficulty) |
| 50% | $145,150 | $20 | 1.21 | Deal-breaker (negotiation difficulty) |
For this home at this price and rent, most lenders want 25% down or more.
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $55,900 | −$746 | 0.92 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 16% | $58,450 | −$727 | 0.92 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 17% | $61,000 | −$708 | 0.93 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 18% | $63,550 | −$689 | 0.94 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 19% | $66,100 | −$670 | 0.94 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 20% | $68,650 | −$651 | 0.95 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 21% | $71,200 | −$632 | 0.95 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 22% | $73,750 | −$613 | 0.96 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 23% | $76,300 | −$594 | 0.97 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 24% | $78,850 | −$575 | 0.97 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 25% | $81,400 | −$457 | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 26% | $83,950 | −$439 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 27% | $86,500 | −$422 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 28% | $89,050 | −$404 | 1.03 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 29% | $91,600 | −$386 | 1.04 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 30% | $94,150 | −$353 | 1.05 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 31% | $96,700 | −$336 | 1.06 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 32% | $99,250 | −$318 | 1.06 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 33% | $101,800 | −$301 | 1.07 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 34% | $104,350 | −$284 | 1.08 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 35% | $106,900 | −$224 | 1.10 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 36% | $109,450 | −$207 | 1.11 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 37% | $112,000 | −$191 | 1.11 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 38% | $114,550 | −$174 | 1.12 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 39% | $117,100 | −$157 | 1.13 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 40% | $119,650 | −$140 | 1.14 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 41% | $122,200 | −$123 | 1.14 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 42% | $124,750 | −$116 | 1.15 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 43% | $127,300 | −$99 | 1.16 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 44% | $129,850 | −$82 | 1.16 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 45% | $132,400 | −$65 | 1.17 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 46% | $134,950 | −$48 | 1.18 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 47% | $137,500 | −$31 | 1.19 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 48% | $140,050 | −$14 | 1.20 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 49% | $142,600 | $3 | 1.20 | Deal-breaker (negotiation difficulty) |
| 50% | $145,150 | $20 | 1.21 | Deal-breaker (negotiation difficulty) |
Show as a table
| Credit score | Estimated rate | Loan payment/mo | DSCR | Fit |
|---|---|---|---|---|
| 620 | 8.31% | $1,446 | 0.97 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 630 | 8.31% | $1,446 | 0.97 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 640 | 8.31% | $1,446 | 0.97 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 650 | 8.31% | $1,446 | 0.97 | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| 660 | 8.31% | $1,446 | 0.97 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 670 | 8.31% | $1,446 | 0.97 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 680 | 7.56% | $1,346 | 1.00 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 690 | 7.56% | $1,346 | 1.00 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 700 | 7.46% | $1,333 | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 710 | 7.46% | $1,333 | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 720 | 7.41% | $1,326 | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 730 | 7.41% | $1,326 | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 740 | 7.36% | $1,320 | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 750 | 7.36% | $1,320 | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 760 | 7.32% | $1,313 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 770 | 7.32% | $1,313 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 780 | 7.32% | $1,313 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 790 | 7.32% | $1,313 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 800 | 7.32% | $1,313 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 810 | 7.32% | $1,313 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 820 | 7.32% | $1,313 | 1.02 | Deal-breaker (deal attractiveness, negotiation difficulty) |
Show as a table
| Rate | Loan payment/mo | DSCR | Cash flow/mo | Fit |
|---|---|---|---|---|
| 5.00% | $1,027 | 1.13 | −$158 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 5.25% | $1,056 | 1.12 | −$187 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 5.50% | $1,086 | 1.10 | −$217 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 5.75% | $1,116 | 1.09 | −$247 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 6.00% | $1,147 | 1.08 | −$277 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 6.25% | $1,178 | 1.07 | −$308 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 6.50% | $1,209 | 1.05 | −$340 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 6.75% | $1,240 | 1.04 | −$371 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 7.00% | $1,272 | 1.03 | −$403 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 7.25% | $1,305 | 1.02 | −$436 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 7.50% | $1,337 | 1.01 | −$468 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 7.75% | $1,370 | 1.00 | −$501 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 8.00% | $1,403 | 0.98 | −$534 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 8.25% | $1,437 | 0.97 | −$568 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 8.50% | $1,471 | 0.96 | −$601 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 8.75% | $1,505 | 0.95 | −$635 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 9.00% | $1,539 | 0.94 | −$670 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 9.25% | $1,573 | 0.93 | −$704 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 9.50% | $1,608 | 0.92 | −$739 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 9.75% | $1,643 | 0.91 | −$774 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 10.00% | $1,678 | 0.90 | −$809 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 10.25% | $1,714 | 0.89 | −$845 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 10.50% | $1,749 | 0.88 | −$880 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 10.75% | $1,785 | 0.87 | −$916 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 11.00% | $1,821 | 0.86 | −$952 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 11.25% | $1,858 | 0.85 | −$988 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 11.50% | $1,894 | 0.84 | −$1,025 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 11.75% | $1,931 | 0.84 | −$1,061 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 12.00% | $1,967 | 0.83 | −$1,098 | Deal-breaker (deal attractiveness, negotiation difficulty) |
At this price, a rent of about $3,460 would reach DSCR 1.2.
Show as a table
| Rent | DSCR | Cash flow/mo | Cash-on-cash | Fit |
|---|---|---|---|---|
| $2,050 | 0.69 | −$1,252 | −18.45% | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| $2,105 | 0.71 | −$1,206 | −17.78% | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| $2,159 | 0.73 | −$1,161 | −17.11% | Deal-breaker (deal attractiveness, loan health, negotiation difficulty) |
| $2,214 | 0.75 | −$1,116 | −16.45% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,269 | 0.76 | −$1,070 | −15.78% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,323 | 0.78 | −$1,025 | −15.11% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,378 | 0.80 | −$980 | −14.44% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,433 | 0.82 | −$935 | −13.78% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,488 | 0.84 | −$889 | −13.11% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,542 | 0.86 | −$844 | −12.44% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,597 | 0.88 | −$799 | −11.77% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,652 | 0.89 | −$753 | −11.11% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,706 | 0.91 | −$708 | −10.44% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,761 | 0.93 | −$663 | −9.77% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,816 | 0.95 | −$618 | −9.1% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,870 | 0.97 | −$572 | −8.44% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,925 | 1.01 | −$461 | −6.8% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $2,980 | 1.03 | −$416 | −6.13% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,034 | 1.05 | −$371 | −5.46% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,089 | 1.07 | −$325 | −4.8% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,144 | 1.10 | −$248 | −3.65% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,198 | 1.12 | −$202 | −2.98% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,253 | 1.14 | −$157 | −2.31% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,308 | 1.16 | −$112 | −1.65% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,363 | 1.17 | −$66 | −0.98% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,417 | 1.19 | −$21 | −0.31% | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $3,472 | 1.21 | $24 | 0.36% | Deal-breaker (negotiation difficulty) |
| $3,527 | 1.23 | $69 | 1.02% | Deal-breaker (negotiation difficulty) |
| $3,581 | 1.26 | $131 | 1.93% | Deal-breaker (negotiation difficulty) |
| $3,636 | 1.28 | $176 | 2.6% | Deal-breaker (negotiation difficulty) |
| $3,691 | 1.30 | $221 | 3.26% | Deal-breaker (negotiation difficulty) |
| $3,745 | 1.32 | $267 | 3.93% | Deal-breaker (negotiation difficulty) |
| $3,800 | 1.34 | $312 | 4.6% | Deal-breaker (negotiation difficulty) |
Each point of vacancy is about $352 a year of rent you don’t collect.
Show as a table
| Vacancy | Rent collected/mo | Cash flow/mo | Fit |
|---|---|---|---|
| 0% | $2,930 | −$246 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 1% | $2,901 | −$272 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 2% | $2,871 | −$299 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 3% | $2,842 | −$325 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 4% | $2,813 | −$352 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 5% | $2,784 | −$378 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 6% | $2,754 | −$404 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 7% | $2,725 | −$431 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 8% | $2,696 | −$457 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 9% | $2,666 | −$483 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 10% | $2,637 | −$510 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 11% | $2,608 | −$536 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 12% | $2,578 | −$562 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 13% | $2,549 | −$589 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 14% | $2,520 | −$615 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 15% | $2,491 | −$642 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 16% | $2,461 | −$668 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 17% | $2,432 | −$694 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 18% | $2,403 | −$721 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 19% | $2,373 | −$747 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 20% | $2,344 | −$773 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 21% | $2,315 | −$800 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 22% | $2,285 | −$826 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 23% | $2,256 | −$853 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 24% | $2,227 | −$879 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| 25% | $2,198 | −$905 | Deal-breaker (deal attractiveness, negotiation difficulty) |
More assumptions: management, set-asides and renovation
- Set aside: empty months, repairs
- Loan payment, taxes, insurance and HOA
- Shortfall you’d add
The payment and set-asides add up to more than the rent, so you’d add about $457 a month.
Show as a table
| Line | Per month | Share of rent |
|---|---|---|
| Empty months (vacancy) | $234 | 8% |
| Repairs and big replacements | $270 | 9% |
| Loan payment, taxes, insurance and HOA | $2,883 | 98% |
| Shortfall you’d add | −$457 | -16% |
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 | $71,400 | −$457 | −7.68% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $5,000 | $76,400 | −$457 | −7.18% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $10,000 | $81,400 | −$457 | −6.74% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $15,000 | $86,400 | −$457 | −6.35% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $20,000 | $91,400 | −$457 | −6% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $25,000 | $96,400 | −$457 | −5.69% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $30,000 | $101,400 | −$457 | −5.41% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $35,000 | $106,400 | −$457 | −5.15% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $40,000 | $111,400 | −$457 | −4.92% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $45,000 | $116,400 | −$457 | −4.71% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $50,000 | $121,400 | −$457 | −4.52% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $55,000 | $126,400 | −$457 | −4.34% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $60,000 | $131,400 | −$457 | −4.17% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $65,000 | $136,400 | −$457 | −4.02% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $70,000 | $141,400 | −$457 | −3.88% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $75,000 | $146,400 | −$457 | −3.75% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $80,000 | $151,400 | −$457 | −3.62% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $85,000 | $156,400 | −$457 | −3.51% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $90,000 | $161,400 | −$457 | −3.4% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $95,000 | $166,400 | −$457 | −3.3% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $100,000 | $171,400 | −$457 | −3.2% | 1.01 | Deal-breaker (deal attractiveness, negotiation difficulty) |
Does the rent cover the loan?
At the starting price of $255,000 with 25% down, the rent of $2,930 a month covers the monthly payment 1.01 times. The rent covers the payment, but not the 1.2 most lenders want. Expect a higher rate, or a lender may ask for more money down.
0.601.001.201.40
| What it pays for | Where the number comes from | Per month |
|---|---|---|
| Loan payment | $191,250 loan at 7.415% over 30 years, at our estimated rate. | $1,326 |
| Property taxes | Your tax rate as an investor on $677,380, with no exemptions. See the tax details below. | $980 |
| Insurance | Our middle estimate. It includes the flood policy a lender will require. See the insurance details below. | $577 |
| HOA dues | None found. | $0 |
| Total (PITIA) | $2,883 |
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 $150k+ | +0.000% |
| Rent coverage 1.00–1.09 | +0.375% |
| Estimated rate | 7.415% |
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
A price of about $174,404 at this rent (taxes stay at the county’s value, which is higher than that price), or a rent of about $3,460 a month at this price.
Most good DSCR deals are bought below the estimated value. Use this as the price to aim for when you make an offer. At about $157,111, it would reach 1.25.
Show me the math
- Loan
- price × (1 − down payment) = $255,000 × (1 − 25%) = $191,250, a of 75%
- Loan payment (principal and interest)
- $191,250 at 7.415%, paid off evenly over 30 years = $1,326 a month
- Full monthly payment (PITIA)
- $1,326 + taxes $980 + insurance $577 + HOA $0 = $2,883
- DSCR
- rent ÷ payment = $2,930 ÷ $2,883 = 1.01 (the full rent, nothing off for empty months, as lenders count it)
- Rent you actually collect
- rent × (1 − vacancy) = $2,930 × (1 − 8%) = $2,696
- Set aside each month
- $2,696 × (0% management + 5% repairs + 5% big replacements) = $270
- Monthly cash flow
- $2,696 − $270 − $2,883 = −$457
- Cash to close
- down payment $63,750 + closing costs 3% ($7,650) + renovation $10,000 = $81,400
- Cash-on-cash return
- 12 × −$457 ÷ $81,400 = −6.74% a year
Local details behind the numbers
Your property taxes as an investor
About $11,757 a year ($980 a month) on a taxable value of $677,380 (the county’s market value, which is higher than the starting price of $255,000)
1.74% a year ($1.7356 per $100, 2026 rates)
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
The county lists the seller’s 2025 taxes at $3,869. That covers every district, after their exemptions. You’d pay about $11,757, which is $7,887 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 an over-65 or disability exemption, often with a cap on school taxes. Both end when they sell.
- After a sale, the county moves the value toward the price you paid.
The and its stay with the seller.
| Taxing district | Kind | Rate per $100 | Per year |
|---|---|---|---|
| CO ROAD & FLOOD | Flood control | 0.0030 | $20 |
| GALV COLLEGE | Community college | 0.1299 | $880 |
| GALVESTON CITY | City | 0.4163 | $2,820 |
| GALVESTON COUNTY | County | 0.3211 | $2,175 |
| GALVESTON ISD | School district | 0.8415 | $5,700 |
| NAV DISTRICT #1 | Special district | 0.0239 | $162 |
| Total | 1.7356 | $11,757 |
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: · · · · ·
Galveston Central Appraisal District account 102173 (1514 SEALY, GALVESTON, 77550), from Galveston County’s Truth-in-Taxation record, read Nov 4, 2026. Exemptions on record: homestead. This is our estimate. Check it against the seller’s tax statement.
What it could rent for
About $2,930/month likely $2,360 to $3,500
Fair A good starting point. Check it against a recent lease nearby. Why: the likely range is wide.
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 0.4 miles away, renting for $1,995 to $3,995 (the middle one: $2,900). 5 of them were on the market in the last 90 days.
They rent for about $1.29 per square foot. At this home’s size, that’s about $3,705/month.
How long nearby rentals took to lease
About 42 days (the middle of the rentals that left the market). 4 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 1.15% of the price each month, so the price is about 7.3 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 · 2 baths · 2,876 sq ft, from the home’s details.
Last sale on record
Sep 5, 2006
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 |
|---|---|---|---|---|---|---|
| 1419 Broadway St | 2 / 1.5 | 2,770 | $2,000 | $0.72 | 0.1 mi | Left after 275 days · seen May 26, 2026 |
| 1112 Broadway St | 3 / 1.5 | 2,678 | $3,995 | $1.49 | 0.3 mi | Left after 112 days · seen Jul 7, 2026 |
| 1927 Broadway St | 4 / 2.5 | 2,652 | $2,800 | $1.06 | 0.3 mi | Still listed after 91 days · seen Nov 4, 2026 |
| 1128 Ave M, 1/2 | 4 / 2.5 | 2,630 | $2,500 | $0.95 | 0.4 mi | Left after 1 days · seen Feb 19, 2026 |
| 2002 Ave K | 4 / 2.5 | 2,504 | $2,500 | $1.00 | 0.4 mi | Still listed after 142 days · seen Nov 4, 2026 |
| 1409 Winnie St | 3 / 2 | 2,018 | $2,200 | $1.09 | 0.1 mi | Left after 25 days · seen Mar 13, 2026 |
| 1625 Ave M, 1/2 | 5 / 2 | 2,048 | $2,900 | $1.42 | 0.4 mi | Left after 157 days · seen Mar 27, 2026 |
| 1418 Ave M, 1/2 | 3 / 2.5 | 2,313 | $3,500 | $1.51 | 0.3 mi | Left after 51 days · seen Oct 6, 2026 |
| 1102 Post Office St | 3 / 2.5 | 2,251 | $2,900 | $1.29 | 0.4 mi | Left after 17 days · seen Jul 2, 2026 |
| 1214 21st St | 4 / 1.5 | 2,218 | $1,995 | $0.90 | 0.5 mi | Still listed after 170 days · seen Nov 4, 2026 |
| 1307 Ball | 3 / 2.5 | 2,160 | $3,400 | $1.57 | 0.2 mi | Left after 56 days · seen Jun 23, 2026 |
| 1328 Ave N, Rear | 4 / 2 | 1,904 | $2,500 | $1.31 | 0.4 mi | Left after 5 days · seen Jul 25, 2026 |
| 1808 Ave K | 4 / 3 | 2,366 | $3,500 | $1.48 | 0.2 mi | Left after 33 days · seen May 12, 2026 |
| 1001 Ave K | 5 / 2 | 1,782 | $3,500 | $1.96 | 0.4 mi | Still listed after 45 days · seen Nov 4, 2026 |
| 2113 Ball | 4 / 2 | 4,654 | $3,100 | $0.67 | 0.4 mi | Left after 99 days · seen Jun 16, 2026 |
RentCast’s rent estimate, read Nov 4, 2026.
Insurance you’ll need as a landlord
About $5,195 to $8,658 a year
$577 a month goes into the payment estimate. Near the coast that’s three policies: the home, wind and flood.
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 (2,876 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 (without wind) | $1,730 | 2,876 sq ft × $175 a sq ft to rebuild = $503,300 of coverage. We priced it at the 2025 rate for Galveston County, $3.13 per $1,000 (without wind), plus extra for a landlord policy. |
| Wind and hail (TWIA) | $3,409 | $6.77 per $1,000 of coverage, Galveston County’s 2025 average TWIA price. |
| Flood | $1,787 | Required by lenders in Zone AE. The typical price of a new federal flood policy, for this ZIP code, as of Aug 31, 2023. |
| In the payment | $6,926 | Range $5,195 to $8,658 |
Zone AE is a high-risk flood zone, with at least a 1-in-100 chance of flooding in any year. Lenders require flood insurance here. FEMA expects water to reach 12 ft above sea level here in a bad flood. That’s the .
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 .
Yes. This home is in the coastal area where the Texas Windstorm Insurance Association covers wind and hail (galveston County is entirely inside TWIA’s designated catastrophe area). Regular insurers won’t cover wind here, so you’d buy a separate policy. The estimate above includes it. Homes built or changed after 1988 need a wind certificate to qualify, so ask the seller for it.
The certificate is a .
: Policies here charge a percent of the home’s coverage for wind and hail claims: 2% is standard, about $10,066 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 Nov 4, 2026. Get a real landlord policy quote before you make an offer.
What it’s worth
- $509,200
- $677,380 for 2026 (the seller is taxed on a capped $552,482)
- An automated estimate, nudged a little toward the county’s value, read Nov 4, 2026. It isn’t an appraisal.
- From the Galveston 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 half the asking price or value ($255,000). 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
- n/a / 2
- Living area
- 2,876 sq ft
- Lot
- 5,998 sq ft
- Year built
- 1877
- Not known
- The seller’s property tax
- Assessed value $705,730 (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 Nov 4, 2026. They can be out of date or wrong, so confirm them with the agent or seller.
From the county record
See the county’s record
- Features on record
- detached garage · fireplace · 2 stories · pier / post & beam foundation · aluminum / vinyl siding exterior · composition shingle roof · commercial air
- Sale history
- Sep 5, 2006
- 2025: $502,256 (land $211,260)2024: $456,596 (land $211,260)2023: $415,087
- The seller’s tax bills
- 2025: $8,6922024: $3,8032023: $3,801
- Does the owner live there?
- Yes, according to the record.
- County parcel number
- 3505-0255-0011-000
A pool, an older roof or a raised foundation can mean higher insurance and upkeep. Ask how old the roof is, and get a recent inspection.
Texas doesn’t make sale prices public, so some prices aren’t on record.
These are the seller’s bills after their exemptions. You’d pay more; see your tax estimate above.
An owner who lives there usually has a homestead exemption, so their tax bill is lower than yours will be.
RentCast’s copy of the county record, read Oct 15, 2026. These records can trail the county by weeks or months.
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 yazf7bzzcm · created Nov 4, 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.