DSCR Snapshot

12802 Murr Way Houston, TX 77048

This is an estimate, not a loan approval.

Single-family home · 3 bd · 2 ba · 1,362 sq ft · built 1979 Address as you typed it, matched on the U.S. Census Bureau’s map Oct 27, 2026.

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At a glance

Your numbers: $154,000 price · 25% down · $1,840 a month rent · 7.24% rate · 8% vacancy · $10,000 renovation in cash Change the numbers

Rent coverage ()

1.41

1.25 or more gets lenders’ best pricing

Monthly cash flow

$226

$2,711 a year

$53,120

25% down, closing costs and renovation

5.1%

A year, on the cash you bring

Works on all three scores. With your other settings, a price from $131,000 to $155,000 works on all three. See your maximum offer

Three scores, out of 100

Fair

Deal attractiveness

41/100

Your would be 5.1%. That’s a modest return. 4% to 6% is normal for low-risk homes in the priciest markets, but long-term rentals usually aim for 8% to 12%.

Good terms likely

Loan health

86/100

Most lenders would likely make this loan, on good terms.

Why this score

How good the loan terms would likely be, and how many lenders would make this loan:

Rent coverage
1.41× strong
Credit score
720 strong
Down payment The loan is 75% of your price.
25% strong
Lenders likely to say yes
most

Moderate

Negotiation difficulty

43/100

Your price is 32% under the asking price. It would take a motivated seller to agree.

At your price, the rent already covers the payment 1.2 times.

Why this score

This seller may come down about 9%: listed 103 days, priced over the estimated home value, the seller sounds open to offers.

Data quality: Solid Before you rely on these numbers

Our take

At the starting numbers, this home is a good fit for a DSCR loan: it works on all three scores. The rent covers the monthly payment 1.41 times (DSCR 1.41), and you would have $226 a month left over after vacancy and reserves.

With the other settings as they are, a price from $131,000 to $155,000 works on all three scores. Getting a price in that range would be possible with a motivated seller. The seller's tax bill of $1,907 (2025) is lower than an investor's estimated $3,779 a year, because the seller's homestead exemption does not transfer to a rental and the seller's appraisal cap ends with the sale. Get a real landlord insurance quote and a lender term sheet to firm up these estimates before making an offer.

Our standard verdict, from the report’s starting numbers.

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
$154,000

Starts at the highest price where the rent covers the payment 1.2 times and your cash earns at least 5% a year. The asking price is $225,000. Now 32% under the asking price and 30% under the estimated home value.

  • This seller may come down only about 9%, so a price this low will be much harder to get.
  • At this price the rent covers the payment 1.2 times or more.
Rent coverage (DSCR) at each price
0.50×1.00×1.50×2.00×$100,000$150,000$200,000$250,0001.25 best rates1.20 most lenders want1.00 rent just covers itPrice for DSCR 1.2: $192,337Asking: $225,000

At this rent, a price of about $192,337 gets the rent to cover the payment 1.2 times.

Show as a table
PriceDSCRPayment/moCash flow/moFit
$90,0001.87$980$544Deal-breaker (loan health, negotiation difficulty)
$96,3441.81$1,013$511Deal-breaker (loan health, negotiation difficulty)
$102,6881.76$1,041$483Deal-breaker (negotiation difficulty)
$109,0311.71$1,073$450Deal-breaker (negotiation difficulty)
$115,3751.66$1,106$417Trade-offs (negotiation difficulty)
$121,7191.61$1,139$385Trade-offs (negotiation difficulty)
$128,0631.57$1,172$352Trade-offs (negotiation difficulty)
$134,4061.53$1,197$326Works on all three
$140,7501.49$1,230$294Works on all three
$147,0941.45$1,262$261Works on all three
$153,4381.42$1,295$229Works on all three
$159,7811.38$1,327$196Trade-offs (deal attractiveness)
$166,1251.35$1,360$164Trade-offs (deal attractiveness)
$172,4691.33$1,383$140Trade-offs (deal attractiveness)
$178,8131.29$1,419$105Trade-offs (deal attractiveness)
$185,1561.25$1,462$61Trade-offs (deal attractiveness)
$191,5001.21$1,518$6Trade-offs (deal attractiveness)
$197,8441.17$1,562−$38Deal-breaker (deal attractiveness)
$204,1881.15$1,595−$71Deal-breaker (deal attractiveness)
$210,5311.12$1,638−$115Deal-breaker (deal attractiveness)
$216,8751.07$1,710−$186Deal-breaker (deal attractiveness)
$223,2191.04$1,754−$230Deal-breaker (deal attractiveness)
$229,5631.02$1,798−$275Deal-breaker (deal attractiveness)
$235,9060.96$1,903−$380Deal-breaker (deal attractiveness)
$242,2500.94$1,949−$426Deal-breaker (deal attractiveness)
$248,5940.92$1,995−$472Deal-breaker (deal attractiveness)
$254,9380.90$2,041−$518Deal-breaker (deal attractiveness)
$261,2810.88$2,087−$564Deal-breaker (deal attractiveness)
$267,6250.86$2,133−$609Deal-breaker (deal attractiveness)
$273,9690.84$2,179−$655Deal-breaker (deal attractiveness)
$280,3130.82$2,225−$701Deal-breaker (deal attractiveness)
$286,6560.81$2,271−$747Deal-breaker (deal attractiveness)
$293,0000.79$2,317−$793Deal-breaker (deal attractiveness)
25%

That’s $38,500 at this price.

  • At 30% down the loan moves to a lower rate tier, about 0.125% less.
  • Each extra 5% down adds about $7,700 to the cash you bring and $62 a month to cash flow.
Cash to close
$0$25,000$50,000$75,000$100,00020%30%40%50%
Show as a table
Down paymentCash to closeCash flow/moDSCRFit
15%$37,720$1081.29Deal-breaker (loan health)
16%$39,260$1181.30Deal-breaker (loan health)
17%$40,800$1291.31Deal-breaker (loan health)
18%$42,340$1401.32Deal-breaker (loan health)
19%$43,880$1421.33Deal-breaker (loan health)
20%$45,420$1521.34Trade-offs (deal attractiveness)
21%$46,960$1631.35Trade-offs (deal attractiveness)
22%$48,500$1741.36Trade-offs (deal attractiveness)
23%$50,040$1851.37Trade-offs (deal attractiveness)
24%$51,580$1951.38Trade-offs (deal attractiveness)
25%$53,120$2261.41Works on all three
26%$54,660$2361.42Works on all three
27%$56,200$2471.44Works on all three
28%$57,740$2571.45Works on all three
29%$59,280$2681.46Works on all three
30%$60,820$2871.48Works on all three
31%$62,360$2981.50Works on all three
32%$63,900$3081.51Works on all three
33%$65,440$3191.52Works on all three
34%$66,980$3291.54Works on all three
35%$68,520$3481.56Works on all three
36%$70,060$3511.56Works on all three
37%$71,600$3621.58Works on all three
38%$73,140$3721.59Works on all three
39%$74,680$3821.61Works on all three
40%$76,220$3931.62Works on all three
41%$77,760$4031.64Works on all three
42%$79,300$4131.65Works on all three
43%$80,840$4241.67Works on all three
44%$82,380$4341.68Works on all three
45%$83,920$4441.70Works on all three
46%$85,460$4551.72Works on all three
47%$87,000$4651.73Works on all three
48%$88,540$4751.75Works on all three
49%$90,080$4861.77Works on all three
50%$91,620$4961.79Works on all three
Monthly cash flow
$0$200$400$60020%30%40%50%$0 cash flow
Show as a table
Down paymentCash to closeCash flow/moDSCRFit
15%$37,720$1081.29Deal-breaker (loan health)
16%$39,260$1181.30Deal-breaker (loan health)
17%$40,800$1291.31Deal-breaker (loan health)
18%$42,340$1401.32Deal-breaker (loan health)
19%$43,880$1421.33Deal-breaker (loan health)
20%$45,420$1521.34Trade-offs (deal attractiveness)
21%$46,960$1631.35Trade-offs (deal attractiveness)
22%$48,500$1741.36Trade-offs (deal attractiveness)
23%$50,040$1851.37Trade-offs (deal attractiveness)
24%$51,580$1951.38Trade-offs (deal attractiveness)
25%$53,120$2261.41Works on all three
26%$54,660$2361.42Works on all three
27%$56,200$2471.44Works on all three
28%$57,740$2571.45Works on all three
29%$59,280$2681.46Works on all three
30%$60,820$2871.48Works on all three
31%$62,360$2981.50Works on all three
32%$63,900$3081.51Works on all three
33%$65,440$3191.52Works on all three
34%$66,980$3291.54Works on all three
35%$68,520$3481.56Works on all three
36%$70,060$3511.56Works on all three
37%$71,600$3621.58Works on all three
38%$73,140$3721.59Works on all three
39%$74,680$3821.61Works on all three
40%$76,220$3931.62Works on all three
41%$77,760$4031.64Works on all three
42%$79,300$4131.65Works on all three
43%$80,840$4241.67Works on all three
44%$82,380$4341.68Works on all three
45%$83,920$4441.70Works on all three
46%$85,460$4551.72Works on all three
47%$87,000$4651.73Works on all three
48%$88,540$4751.75Works on all three
49%$90,080$4861.77Works on all three
50%$91,620$4961.79Works on all three
720
  • At 740, the estimated rate drops about 0.05%.
Estimated rate by credit score
7.00%7.20%7.40%7.60%7.80%650700750800
Show as a table
Credit scoreEstimated rateLoan payment/moDSCRFit
6207.64%$8191.38Deal-breaker (loan health)
6307.64%$8191.38Deal-breaker (loan health)
6407.64%$8191.38Deal-breaker (loan health)
6507.64%$8191.38Deal-breaker (loan health)
6607.64%$8191.38Trade-offs (deal attractiveness)
6707.64%$8191.38Trade-offs (deal attractiveness)
6807.39%$7991.40Trade-offs (deal attractiveness)
6907.39%$7991.40Trade-offs (deal attractiveness)
7007.29%$7911.41Works on all three
7107.29%$7911.41Works on all three
7207.24%$7871.41Works on all three
7307.24%$7871.41Works on all three
7407.19%$7831.42Works on all three
7507.19%$7831.42Works on all three
7607.14%$7791.42Works on all three
7707.14%$7791.42Works on all three
7807.14%$7791.42Works on all three
7907.14%$7791.42Works on all three
8007.14%$7791.42Works on all three
8107.14%$7791.42Works on all three
8207.14%$7791.42Works on all three
7.24%

Our estimate: 7.240%.

  • Above about 13.572%, the rent stops covering the payment.
Monthly cash flow at each rate
−$200$0$200$4006.00%8.00%10.00%12.00%$0 cash flow
Show as a table
RateLoan payment/moDSCRCash flow/moFit
5.00%$6201.62$393Works on all three
5.25%$6381.60$375Works on all three
5.50%$6561.57$357Works on all three
5.75%$6741.55$339Works on all three
6.00%$6921.52$321Works on all three
6.25%$7111.50$302Works on all three
6.50%$7301.48$283Works on all three
6.75%$7491.46$264Works on all three
7.00%$7681.43$245Works on all three
7.25%$7881.41$225Works on all three
7.50%$8081.39$205Trade-offs (deal attractiveness)
7.75%$8271.37$186Trade-offs (deal attractiveness)
8.00%$8481.35$166Trade-offs (deal attractiveness)
8.25%$8681.33$145Trade-offs (deal attractiveness)
8.50%$8881.31$125Trade-offs (deal attractiveness)
8.75%$9091.29$104Trade-offs (deal attractiveness)
9.00%$9291.27$84Trade-offs (deal attractiveness)
9.25%$9501.25$63Trade-offs (deal attractiveness)
9.50%$9711.24$42Trade-offs (deal attractiveness)
9.75%$9921.22$21Trade-offs (deal attractiveness)
10.00%$1,0141.20−$1Deal-breaker (deal attractiveness)
10.25%$1,0351.19−$22Deal-breaker (deal attractiveness)
10.50%$1,0571.17−$44Deal-breaker (deal attractiveness)
10.75%$1,0781.15−$65Deal-breaker (deal attractiveness)
11.00%$1,1001.14−$87Deal-breaker (deal attractiveness)
11.25%$1,1221.12−$109Deal-breaker (deal attractiveness)
11.50%$1,1441.11−$131Deal-breaker (deal attractiveness)
11.75%$1,1661.09−$153Deal-breaker (deal attractiveness)
12.00%$1,1881.08−$175Deal-breaker (deal attractiveness)
$1,840

Starts at RentCast’s estimate from nearby rentals.

  • Inside the likely range of $1,600 to $2,090.
  • At this rent the rent covers the payment 1.2 times or more.
Monthly cash flow at each rent
Likely range (85%)−$500$0$500$1,500$1,750$2,000$2,250$0 cash flowRent for DSCR 1.2: $1,557

At this price, a rent of about $1,557 would reach DSCR 1.2.

Show as a table
RentDSCRCash flow/moCash-on-cashFit
$1,3000.95−$291−6.57%Deal-breaker (deal attractiveness)
$1,3341.00−$222−5.02%Deal-breaker (deal attractiveness)
$1,3691.03−$194−4.38%Deal-breaker (deal attractiveness)
$1,4031.05−$165−3.74%Deal-breaker (deal attractiveness)
$1,4381.08−$137−3.09%Deal-breaker (deal attractiveness)
$1,4721.12−$89−2%Deal-breaker (deal attractiveness)
$1,5061.15−$60−1.36%Deal-breaker (deal attractiveness)
$1,5411.17−$32−0.72%Deal-breaker (deal attractiveness)
$1,5751.20−$3−0.08%Deal-breaker (deal attractiveness)
$1,6091.23$250.57%Trade-offs (deal attractiveness)
$1,6441.26$631.43%Trade-offs (deal attractiveness)
$1,6781.29$922.07%Trade-offs (deal attractiveness)
$1,7131.31$1202.72%Trade-offs (deal attractiveness)
$1,7471.34$1493.36%Trade-offs (deal attractiveness)
$1,7811.37$1774%Trade-offs (deal attractiveness)
$1,8161.39$2064.65%Trade-offs (deal attractiveness)
$1,8501.42$2345.29%Works on all three
$1,8841.45$2635.93%Works on all three
$1,9191.47$2916.58%Works on all three
$1,9531.50$3207.22%Works on all three
$1,9881.53$3487.86%Works on all three
$2,0221.55$3768.5%Works on all three
$2,0561.58$4059.15%Works on all three
$2,0911.61$4339.79%Works on all three
$2,1251.63$46210.43%Works on all three
$2,1591.66$49011.08%Works on all three
$2,1941.69$51911.72%Works on all three
$2,2281.71$54712.36%Works on all three
$2,2631.74$57613.01%Works on all three
$2,2971.77$60413.65%Works on all three
$2,3311.79$63314.29%Works on all three
$2,3661.82$66114.93%Works on all three
$2,4001.84$69015.58%Works on all three
8%
  • That’s about 1 month empty a year, or $1,800 of rent you don’t collect.
Monthly cash flow at each vacancy rate
−$200$0$200$4000%5%10%15%20%25%$0 cash flow

Each point of vacancy is about $221 a year of rent you don’t collect.

Show as a table
VacancyRent collected/moCash flow/moFit
0%$1,840$358Works on all three
1%$1,822$342Works on all three
2%$1,803$325Works on all three
3%$1,785$309Works on all three
4%$1,766$292Works on all three
5%$1,748$276Works on all three
6%$1,730$259Works on all three
7%$1,711$242Works on all three
8%$1,693$226Works on all three
9%$1,674$209Trade-offs (deal attractiveness)
10%$1,656$193Trade-offs (deal attractiveness)
11%$1,638$176Trade-offs (deal attractiveness)
12%$1,619$160Trade-offs (deal attractiveness)
13%$1,601$143Trade-offs (deal attractiveness)
14%$1,582$127Trade-offs (deal attractiveness)
15%$1,564$110Trade-offs (deal attractiveness)
16%$1,546$93Trade-offs (deal attractiveness)
17%$1,527$77Trade-offs (deal attractiveness)
18%$1,509$60Trade-offs (deal attractiveness)
19%$1,490$44Trade-offs (deal attractiveness)
20%$1,472$27Trade-offs (deal attractiveness)
21%$1,454$11Trade-offs (deal attractiveness)
22%$1,435−$6Deal-breaker (deal attractiveness)
23%$1,417−$23Deal-breaker (deal attractiveness)
24%$1,398−$39Deal-breaker (deal attractiveness)
25%$1,380−$56Deal-breaker (deal attractiveness)
More assumptions: management, set-asides and renovation
0%

That’s about $0 a month.

  • You’d manage it yourself. A manager would cost about $135 to $203 a month here.
5%

That’s about $85 a month.

5%

That’s about $85 a month.

Where each month’s rent goes
$1,298rent $1,840$0
  • Set aside: empty months, repairs
  • Loan payment, taxes, insurance and HOA
  • Cash flow

What’s left after empty months, set-asides and the payment is your cash flow: $226 a month.

Show as a table
LinePer monthShare of rent
Empty months (vacancy)$1478%
Repairs and big replacements$1699%
Loan payment, taxes, insurance and HOA$1,29871%
Cash flow$22612%
$10,000
How you’ll pay for it

It’s part of your cash to close.

  • That adds $10,000 to your cash to close, so your cash-on-cash return is 5.1% instead of 6.29%.
Cash-on-cash return at each renovation budget
0%2%4%6%8%$0$20,000$40,000$60,000$80,000$100,0005% return0% return

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
RenovationCash to closeCash flow/moCash-on-cashDSCRFit
$0$43,120$2266.29%1.41Works on all three
$5,000$48,120$2265.63%1.41Works on all three
$10,000$53,120$2265.1%1.41Works on all three
$15,000$58,120$2264.66%1.41Trade-offs (deal attractiveness)
$20,000$63,120$2264.29%1.41Trade-offs (deal attractiveness)
$25,000$68,120$2263.98%1.41Trade-offs (deal attractiveness)
$30,000$73,120$2263.71%1.41Trade-offs (deal attractiveness)
$35,000$78,120$2263.47%1.41Trade-offs (deal attractiveness)
$40,000$83,120$2263.26%1.41Trade-offs (deal attractiveness)
$45,000$88,120$2263.08%1.41Trade-offs (deal attractiveness)
$50,000$93,120$2262.91%1.41Trade-offs (deal attractiveness)
$55,000$98,120$2262.76%1.41Trade-offs (deal attractiveness)
$60,000$103,120$2262.63%1.41Trade-offs (deal attractiveness)
$65,000$108,120$2262.51%1.41Trade-offs (deal attractiveness)
$70,000$113,120$2262.4%1.41Trade-offs (deal attractiveness)
$75,000$118,120$2262.29%1.41Trade-offs (deal attractiveness)
$80,000$123,120$2262.2%1.41Trade-offs (deal attractiveness)
$85,000$128,120$2262.12%1.41Trade-offs (deal attractiveness)
$90,000$133,120$2262.04%1.41Trade-offs (deal attractiveness)
$95,000$138,120$2261.96%1.41Trade-offs (deal attractiveness)
$100,000$143,120$2261.89%1.41Trade-offs (deal attractiveness)

Does the rent cover the loan?

At the starting price of $154,000 with 25% down, the rent of $1,840 a month covers the monthly payment 1.41 times. That’s at or above 1.25, where lenders offer their best pricing.

Monthly payment () at these numbers
What it pays forWhere the number comes fromPer month
Loan payment$115,500 loan at 7.240% over 30 years, at our estimated rate.$787
Property taxesYour tax rate as an investor on $176,894, with no exemptions. See the tax details below.$315
InsuranceOur middle estimate. See the insurance details below.$196
HOA duesNone found.$0
Total (PITIA)$1,298
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 rate6.690%
Credit score 720–739+0.100%
Loan of 75% of the price or less+0.250%
Loan size $100k–$125k+0.200%
Rent coverage 1.25++0.000%
Estimated rate7.240%
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

It’s already there at this price and rent.

Show me the math
Loan
price × (1 − down payment) = $154,000 × (1 − 25%) = $115,500, a of 75%
Loan payment (principal and interest)
$115,500 at 7.240%, paid off evenly over 30 years = $787 a month
Full monthly payment (PITIA)
$787 + taxes $315 + insurance $196 + HOA $0 = $1,298
DSCR
rent ÷ payment = $1,840 ÷ $1,298 = 1.41 (the full rent, nothing off for empty months, as lenders count it)
Rent you actually collect
rent × (1 − vacancy) = $1,840 × (1 − 8%) = $1,693
Set aside each month
$1,693 × (0% management + 5% repairs + 5% big replacements) = $169
Monthly cash flow
$1,693 − $169 − $1,298 = $226
Cash to close
down payment $38,500 + closing costs 3% ($4,620) + renovation $10,000 = $53,120
Cash-on-cash return
12 × $226 ÷ $53,120 = 5.1% a year

Local details behind the numbers

Your property taxes as an investor

About $3,779 a year ($315 a month) on a taxable value of $176,894 (the county’s market value, which is higher than the starting price of $154,000)

2.14% a year ($2.1364 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

Last year’s value ($182,708) times this home’s rates comes to about $1,907, after their exemptions. You’d pay about $3,779, which is $1,872 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 county could raise the seller’s taxable value only 10% a year, so it sits below market. The cap ends when they sell.

The and its stay with the seller.

Every local government that taxes this home
Taxing districtKindRate per $100Per year
HOUSTON ISDSchool district0.8421$1,490
HARRIS COUNTYCounty0.4175$739
HARRIS CO FLOOD CNTRLFlood control0.0527$93
PORT OF HOUSTON AUTHYPort authority0.0060$11
HARRIS CO HOSP DISTHospital district0.1953$345
HARRIS CO EDUC DEPTCounty education department0.0048$8
HOUSTON CITY COLLEGECommunity college0.0988$175
CITY OF HOUSTONCity0.5192$918
Total2.1364$3,779

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: · · · · ·

Harris County appraisal district account 1094210000011 (12802 MURR, HOUSTON, 77048), from Harris County’s Truth-in-Taxation record, read Oct 27, 2026. Exemptions on record: homestead, cap. This is our estimate. Check it against the seller’s tax statement.

What it could rent for

About $1,840/month likely $1,600 to $2,090

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.

$1,250$1,500$1,750$2,000$2,250$2,500$1,840
Each dot is a nearby rental that RentCast compared with this home. Point at a dot for details, or see the table below. The shaded band is where the rent should land 85% of the time.

The rentals it compared

15 homes, usually 0.3 miles away, renting for $1,470 to $2,415 (the middle one: $1,850). 9 of them were on the market in the last 90 days.

They rent for about $1.36 per square foot. At this home’s size, that’s about $1,860/month.

How long nearby rentals took to lease

About 36 days (the middle of the rentals that left the market). 5 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 2 listings that have been up for months, which is usually an apartment complex’s standing ad.

Rent compared with the price

The rent is 1.19% of the price each month, so the price is about 7 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 · 3 beds · 2 baths · 1,362 sq ft, from the home’s details.

Last sale on record

Mar 25, 2026

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
Most similar first
RentalBeds / bathsSq ftRentPer sq ftDistanceOn the market
4927 Kilkenny Dr3 / 21,362$1,470$1.080.1 miLeft after 77 days · seen Apr 1, 2026
12912 Zivah Ln3 / 21,368$2,000$1.460.2 miStill listed after 97 days · seen Oct 27, 2026
12110 Murr Way3 / 21,372$1,950$1.420.2 miLeft after 27 days · seen Sep 24, 2026
4906 E Orem Dr3 / 21,405$1,550$1.100.2 miLeft after 17 days · seen Sep 19, 2026
4203 Richmeadow Dr3 / 21,407$1,920$1.360.3 miLeft after 22 days · seen Jul 20, 2026
11931 Panay Village Cir3 / 21,324$1,825$1.380.4 miLeft after 22 days · seen Jun 22, 2026
4226 Richmeadow Dr3 / 21,410$1,750$1.240.3 miLeft after 12 days · seen Jun 20, 2026
5203 Panay Park Dr3 / 21,420$2,135$1.500.3 miLeft after 78 days · seen Apr 14, 2026
5339 Cj Walker Ln3 / 21,401$2,100$1.500.6 miLeft after 45 days · seen Sep 28, 2026
5614 Praise Ct, Unit 13 / 21,367$1,865$1.361 miStill listed after 1,618 days · seen Oct 27, 2026
12227 Cape Hyannis Dr3 / 21,432$1,705$1.190.3 miLeft after 76 days · seen Jun 18, 2026
5239 Selinsky Rd3 / 21,348$1,525$1.131 miStill listed after 50 days · seen Oct 27, 2026
13041 Donegal Way3 / 21,325$2,415$1.820.7 miStill listed after 29 days · seen Oct 27, 2026
10902 Mosscrest Dr3 / 21,361$1,600$1.181.1 miLeft after 135 days · seen Sep 1, 2026
11903 Bat Sheva Ln3 / 21,418$1,850$1.300.5 miStill listed after 600 days · seen Oct 27, 2026

RentCast’s rent estimate, read Oct 27, 2026.

Insurance you’ll need as a landlord

About $1,760 to $2,934 a year

$196 a month goes into the payment estimate.

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 (1,362 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.

What’s in the estimate
PolicyPer yearHow we estimated it
Home$2,3471,362 sq ft × $175 a sq ft to rebuild = $238,350 of coverage. We priced it at the 2025 rate for Harris County, $8.95 per $1,000, plus extra for a landlord policy.
Flood (optional)$1,200Not in the payment estimate, shown so you can budget for it. The typical price of a new federal flood policy, for this ZIP code, as of Aug 31, 2023.
In the payment$2,347Range $1,760 to $2,934

Zone X (area of minimal flood hazard) is low risk on FEMA’s map. Flood insurance is optional, but many Greater Houston homes that flooded in Hurricane Harvey were outside the high-risk zones, so many landlords buy it anyway.

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 .

No. Wind and hail are part of the regular policy here (in Harris County only La Porte, Morgan’s Point, Pasadena, Seabrook and Shoreacres, east of Highway 146, are in TWIA’s area).

: Policies here charge a percent of the home’s coverage for wind and hail claims: 2% is standard, about $4,767 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 Oct 27, 2026. Get a real landlord policy quote before you make an offer.

What it’s worth

Asking price
$225,000
$220,000
$176,894 for 2026
  • An automated estimate, nudged a little toward the county’s value, read Oct 27, 2026. It isn’t an appraisal.
  • From the Harris 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 the highest price where the numbers work ($154,000). 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

For sale at $225,000.

See the home’s details
Property type
Single-family home
Bedrooms / bathrooms
3 / 2
Living area
1,362 sq ft
Lot
6,194 sq ft
Year built
1979
$0/month
Days on the market
103

Homes that sit longer often leave more room to negotiate on price.

Home details read Oct 27, 2026. They can be out of date or wrong, so confirm them with the agent or seller.

Before you rely on these numbers

For this home

  • The verdict uses our standard wording. The AI-written version wasn’t ready, or it didn’t pass our fact check.

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.

Get My Free Quote Book Intro Call

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.

New to this? Start with the Greater Houston DSCR Loan Guide.

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 ixhz3syy96 · created Oct 27, 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.

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