---
title: "1514 Sealy St, Galveston, TX 77550: DSCR and rental numbers | DSCR Labs"
description: "Galveston rental numbers: rent about $2,930 a month, DSCR 1.01 at 25% down, taxes 1.74% a year. A free Greater Houston DSCR Snapshot, updated Nov 4, 2026."
url: https://dscrlabs.com/calculator/tx/galveston/1514-sealy-st-77550/t923e7ze
---

# 1514 Sealy St, Galveston, TX 77550

Not for sale right now. 2 bathrooms, 2,876 sq ft, built 1877. Updated Nov 4, 2026.

## Summary

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.

## The numbers at the default assumptions

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

| | |
| --- | ---: |
| Price | $255,000 (half the asking price or value) |
| Down payment | 25% ($63,750) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.41% |
| Monthly payment (PITIA) | $2,883 |
| Principal and interest | $1,326 |
| Property taxes | $980 |
| Insurance | $577 |
| HOA dues | $0 |
| Rent (estimate) | $2,930 (likely $2,360 to $3,500, from 15 rentals) |
| DSCR | 1.01 (the rent covers the payment 1.01 times) |
| Monthly cash flow | −$457 |
| Cash to close | $81,400 |
| Cash-on-cash return | −6.74% |

## Taxes

Combined tax rate 1.74% a year (2026 rates). 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: $5,195 to $8,658 a year. It’s in the coastal wind area, so wind and hail need a separate TWIA policy.

## 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/galveston/1514-sealy-st-77550/t923e7ze

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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.