DSCR Snapshot

1524 Parkland Oak Dr Houston, TX 77084

This is an estimate, not a loan approval.

Single-family home · 3 bd · 2.5 ba · 1,939 sq ft · built 2021 Address placed by its map point, read Oct 26, 2026. The street is too new for the U.S. Census Bureau’s map.

Updated Oct 26, 2026

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At a glance

Your numbers: $160,000 price · 25% down · $2,540 a month rent · 7.24% rate · 8% vacancy · $10,000 renovation in cash Change the numbers

Rent coverage ()

1.29

1.25 or more gets lenders’ best pricing

Monthly cash flow

$135

$1,614 a year

$54,800

25% down, closing costs and renovation

2.95%

A year, on the cash you bring

Trade-offs: the return on your cash is low and getting this price would be hard. With your other settings, no price works on all three. See your maximum offer

Three scores, out of 100

Weak

Deal attractiveness

19/100

Your would be 2.9%. Under 5% is a weak return. Safer investments like bonds can pay about that, and it may not beat inflation.

Good terms likely

Loan health

83/100

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

Hard

Negotiation difficulty

85/100

Your price is 50% under the asking price. Getting a seller to agree would be hard, unless the home needs major work.

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

Why this score

This seller may come down about 3%: listed 25 days. Working against you: the seller sounds firm.

Data quality: Fair Before you rely on these numbers

Our take

At the starting numbers, this home is a possible fit for a DSCR loan, with trade-offs. The return on your cash is low, and getting this price would be hard. You would have $135 a month left over after vacancy and reserves.

At your price, the rent already covers the payment 1.2 times. Rents in Greater Houston have been flat, so the numbers assume 8% vacancy and no rent growth. Before you make an offer, get a real landlord insurance quote and a lender term sheet to firm up these estimates.

Written by an AI model from the report’s starting numbers, then checked against them.

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

Purchase price $160,000

Starts at half of the asking price ($319,989). No price down to half gets the rent to cover the payment 1.2 times with at least 5% a year on your cash. Now 50% under the asking price and 50% under the estimated home value.

This seller may come down only about 3%, 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

At this rent, a price of about $186,645 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
$128,000	1.40	$1,812	$292	Deal-breaker (negotiation difficulty)
$137,000	1.37	$1,851	$252	Deal-breaker (negotiation difficulty)
$146,000	1.33	$1,897	$206	Deal-breaker (negotiation difficulty)
$155,000	1.30	$1,943	$160	Deal-breaker (negotiation difficulty)
$164,000	1.27	$1,989	$114	Trade-offs (deal attractiveness, negotiation difficulty)
$173,000	1.25	$2,026	$77	Trade-offs (deal attractiveness, negotiation difficulty)
$182,000	1.21	$2,083	$20	Trade-offs (deal attractiveness, negotiation difficulty)
$191,000	1.19	$2,129	−$26	Deal-breaker (deal attractiveness)
$200,000	1.17	$2,165	−$62	Deal-breaker (deal attractiveness)
$209,000	1.14	$2,211	−$108	Deal-breaker (deal attractiveness)
$218,000	1.12	$2,257	−$154	Deal-breaker (deal attractiveness)
$227,000	1.10	$2,302	−$199	Deal-breaker (deal attractiveness)
$236,000	1.06	$2,378	−$275	Deal-breaker (deal attractiveness)
$245,000	1.04	$2,425	−$322	Deal-breaker (deal attractiveness)
$254,000	1.02	$2,472	−$369	Deal-breaker (deal attractiveness)
$263,000	1.00	$2,519	−$415	Deal-breaker (deal attractiveness)
$272,000	0.96	$2,636	−$532	Deal-breaker (deal attractiveness)
$281,000	0.94	$2,685	−$582	Deal-breaker (deal attractiveness)
$290,000	0.92	$2,734	−$631	Deal-breaker (deal attractiveness)
$299,000	0.91	$2,783	−$680	Deal-breaker (deal attractiveness)
$308,000	0.89	$2,832	−$729	Deal-breaker (deal attractiveness)
$317,000	0.88	$2,881	−$778	Deal-breaker (deal attractiveness)
$326,000	0.86	$2,936	−$833	Deal-breaker (deal attractiveness)
$335,000	0.84	$3,003	−$900	Deal-breaker (deal attractiveness)
$344,000	0.82	$3,069	−$966	Deal-breaker (deal attractiveness)
$353,000	0.81	$3,136	−$1,033	Deal-breaker (deal attractiveness)
$362,000	0.79	$3,202	−$1,099	Deal-breaker (deal attractiveness)
$371,000	0.77	$3,269	−$1,166	Deal-breaker (deal attractiveness)
$380,000	0.76	$3,335	−$1,232	Deal-breaker (deal attractiveness)
$389,000	0.74	$3,402	−$1,298	Deal-breaker (deal attractiveness, loan health)
$398,000	0.73	$3,468	−$1,365	Deal-breaker (deal attractiveness, loan health)
$407,000	0.71	$3,535	−$1,431	Deal-breaker (deal attractiveness, loan health)
$416,000	0.70	$3,601	−$1,498	Deal-breaker (deal attractiveness, loan health)

Down payment

25%

That’s $40,000 at this price.

At 30% down the loan moves to a lower rate tier, about 0.125% less.
Each extra 5% down adds about $8,000 to the cash you bring and $64 a month to cash flow.

Cash to close

Show as a table

Down payment	Cash to close	Cash flow/mo	DSCR	Fit
15%	$38,800	$0	1.20	Deal-breaker (loan health)
16%	$40,400	$11	1.21	Deal-breaker (loan health)
17%	$42,000	$22	1.22	Deal-breaker (loan health)
18%	$43,600	$34	1.22	Deal-breaker (loan health)
19%	$45,200	$45	1.23	Deal-breaker (loan health)
20%	$46,800	$56	1.24	Trade-offs (deal attractiveness, negotiation difficulty)
21%	$48,400	$78	1.25	Trade-offs (deal attractiveness, negotiation difficulty)
22%	$50,000	$81	1.25	Trade-offs (deal attractiveness, negotiation difficulty)
23%	$51,600	$92	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
24%	$53,200	$103	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
25%	$54,800	$135	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
26%	$56,400	$145	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
27%	$58,000	$156	1.30	Trade-offs (deal attractiveness, negotiation difficulty)
28%	$59,600	$167	1.31	Trade-offs (deal attractiveness, negotiation difficulty)
29%	$61,200	$178	1.31	Trade-offs (deal attractiveness, negotiation difficulty)
30%	$62,800	$199	1.33	Trade-offs (deal attractiveness, negotiation difficulty)
31%	$64,400	$209	1.34	Trade-offs (deal attractiveness, negotiation difficulty)
32%	$66,000	$220	1.34	Trade-offs (deal attractiveness, negotiation difficulty)
33%	$67,600	$231	1.35	Trade-offs (deal attractiveness, negotiation difficulty)
34%	$69,200	$242	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
35%	$70,800	$261	1.37	Trade-offs (deal attractiveness, negotiation difficulty)
36%	$72,400	$272	1.38	Trade-offs (deal attractiveness, negotiation difficulty)
37%	$74,000	$282	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
38%	$75,600	$286	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
39%	$77,200	$297	1.40	Trade-offs (deal attractiveness, negotiation difficulty)
40%	$78,800	$308	1.41	Trade-offs (deal attractiveness, negotiation difficulty)
41%	$80,400	$319	1.42	Trade-offs (deal attractiveness, negotiation difficulty)
42%	$82,000	$329	1.43	Trade-offs (deal attractiveness, negotiation difficulty)
43%	$83,600	$340	1.44	Trade-offs (deal attractiveness, negotiation difficulty)
44%	$85,200	$351	1.44	Trade-offs (deal attractiveness, negotiation difficulty)
45%	$86,800	$362	1.45	Trade-offs (negotiation difficulty)
46%	$88,400	$372	1.46	Trade-offs (negotiation difficulty)
47%	$90,000	$383	1.47	Trade-offs (negotiation difficulty)
48%	$91,600	$394	1.48	Trade-offs (negotiation difficulty)
49%	$93,200	$405	1.49	Trade-offs (negotiation difficulty)
50%	$94,800	$415	1.50	Trade-offs (negotiation difficulty)

Monthly cash flow

Show as a table

Down payment	Cash to close	Cash flow/mo	DSCR	Fit
15%	$38,800	$0	1.20	Deal-breaker (loan health)
16%	$40,400	$11	1.21	Deal-breaker (loan health)
17%	$42,000	$22	1.22	Deal-breaker (loan health)
18%	$43,600	$34	1.22	Deal-breaker (loan health)
19%	$45,200	$45	1.23	Deal-breaker (loan health)
20%	$46,800	$56	1.24	Trade-offs (deal attractiveness, negotiation difficulty)
21%	$48,400	$78	1.25	Trade-offs (deal attractiveness, negotiation difficulty)
22%	$50,000	$81	1.25	Trade-offs (deal attractiveness, negotiation difficulty)
23%	$51,600	$92	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
24%	$53,200	$103	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
25%	$54,800	$135	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
26%	$56,400	$145	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
27%	$58,000	$156	1.30	Trade-offs (deal attractiveness, negotiation difficulty)
28%	$59,600	$167	1.31	Trade-offs (deal attractiveness, negotiation difficulty)
29%	$61,200	$178	1.31	Trade-offs (deal attractiveness, negotiation difficulty)
30%	$62,800	$199	1.33	Trade-offs (deal attractiveness, negotiation difficulty)
31%	$64,400	$209	1.34	Trade-offs (deal attractiveness, negotiation difficulty)
32%	$66,000	$220	1.34	Trade-offs (deal attractiveness, negotiation difficulty)
33%	$67,600	$231	1.35	Trade-offs (deal attractiveness, negotiation difficulty)
34%	$69,200	$242	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
35%	$70,800	$261	1.37	Trade-offs (deal attractiveness, negotiation difficulty)
36%	$72,400	$272	1.38	Trade-offs (deal attractiveness, negotiation difficulty)
37%	$74,000	$282	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
38%	$75,600	$286	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
39%	$77,200	$297	1.40	Trade-offs (deal attractiveness, negotiation difficulty)
40%	$78,800	$308	1.41	Trade-offs (deal attractiveness, negotiation difficulty)
41%	$80,400	$319	1.42	Trade-offs (deal attractiveness, negotiation difficulty)
42%	$82,000	$329	1.43	Trade-offs (deal attractiveness, negotiation difficulty)
43%	$83,600	$340	1.44	Trade-offs (deal attractiveness, negotiation difficulty)
44%	$85,200	$351	1.44	Trade-offs (deal attractiveness, negotiation difficulty)
45%	$86,800	$362	1.45	Trade-offs (negotiation difficulty)
46%	$88,400	$372	1.46	Trade-offs (negotiation difficulty)
47%	$90,000	$383	1.47	Trade-offs (negotiation difficulty)
48%	$91,600	$394	1.48	Trade-offs (negotiation difficulty)
49%	$93,200	$405	1.49	Trade-offs (negotiation difficulty)
50%	$94,800	$415	1.50	Trade-offs (negotiation difficulty)

Credit score 720

At 740, the estimated rate drops about 0.05%.

Estimated rate by credit score

Show as a table

Credit score	Estimated rate	Loan payment/mo	DSCR	Fit
620	7.64%	$851	1.26	Deal-breaker (loan health)
630	7.64%	$851	1.26	Deal-breaker (loan health)
640	7.64%	$851	1.26	Deal-breaker (loan health)
650	7.64%	$851	1.26	Deal-breaker (loan health)
660	7.64%	$851	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
670	7.64%	$851	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
680	7.39%	$830	1.28	Trade-offs (deal attractiveness, negotiation difficulty)
690	7.39%	$830	1.28	Trade-offs (deal attractiveness, negotiation difficulty)
700	7.29%	$822	1.28	Trade-offs (deal attractiveness, negotiation difficulty)
710	7.29%	$822	1.28	Trade-offs (deal attractiveness, negotiation difficulty)
720	7.24%	$818	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
730	7.24%	$818	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
740	7.19%	$814	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
750	7.19%	$814	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
760	7.14%	$810	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
770	7.14%	$810	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
780	7.14%	$810	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
790	7.14%	$810	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
800	7.14%	$810	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
810	7.14%	$810	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
820	7.14%	$810	1.29	Trade-offs (deal attractiveness, negotiation difficulty)

Set my own rate

Interest rate 7.24%

Our estimate: 7.240%.

Above about 13.656%, the rent stops covering the payment.

Monthly cash flow at each rate

Show as a table

Rate	Loan payment/mo	DSCR	Cash flow/mo	Fit
5.00%	$644	1.41	$308	Trade-offs (negotiation difficulty)
5.25%	$663	1.40	$290	Trade-offs (negotiation difficulty)
5.50%	$681	1.38	$271	Trade-offs (negotiation difficulty)
5.75%	$700	1.37	$252	Trade-offs (negotiation difficulty)
6.00%	$719	1.35	$233	Trade-offs (negotiation difficulty)
6.25%	$739	1.34	$213	Trade-offs (deal attractiveness, negotiation difficulty)
6.50%	$758	1.33	$194	Trade-offs (deal attractiveness, negotiation difficulty)
6.75%	$778	1.31	$174	Trade-offs (deal attractiveness, negotiation difficulty)
7.00%	$798	1.30	$154	Trade-offs (deal attractiveness, negotiation difficulty)
7.25%	$819	1.28	$134	Trade-offs (deal attractiveness, negotiation difficulty)
7.50%	$839	1.27	$113	Trade-offs (deal attractiveness, negotiation difficulty)
7.75%	$860	1.26	$93	Trade-offs (deal attractiveness, negotiation difficulty)
8.00%	$881	1.25	$72	Trade-offs (deal attractiveness, negotiation difficulty)
8.25%	$902	1.23	$51	Trade-offs (deal attractiveness, negotiation difficulty)
8.50%	$923	1.22	$30	Trade-offs (deal attractiveness, negotiation difficulty)
8.75%	$944	1.21	$8	Trade-offs (deal attractiveness, negotiation difficulty)
9.00%	$966	1.20	−$13	Deal-breaker (deal attractiveness)
9.25%	$987	1.18	−$35	Deal-breaker (deal attractiveness)
9.50%	$1,009	1.17	−$57	Deal-breaker (deal attractiveness)
9.75%	$1,031	1.16	−$79	Deal-breaker (deal attractiveness)
10.00%	$1,053	1.15	−$101	Deal-breaker (deal attractiveness)
10.25%	$1,075	1.14	−$123	Deal-breaker (deal attractiveness)
10.50%	$1,098	1.12	−$145	Deal-breaker (deal attractiveness)
10.75%	$1,120	1.11	−$168	Deal-breaker (deal attractiveness)
11.00%	$1,143	1.10	−$190	Deal-breaker (deal attractiveness)
11.25%	$1,166	1.09	−$213	Deal-breaker (deal attractiveness)
11.50%	$1,188	1.08	−$236	Deal-breaker (deal attractiveness)
11.75%	$1,211	1.07	−$259	Deal-breaker (deal attractiveness)
12.00%	$1,234	1.06	−$282	Deal-breaker (deal attractiveness)

Monthly rent $2,540

Starts at RentCast’s estimate from nearby rentals.

Inside the likely range of $2,300 to $2,780.
At this rent the rent covers the payment 1.2 times or more.

Monthly cash flow at each rent

At this price, a rent of about $2,362 would reach DSCR 1.2.

Show as a table

Rent	DSCR	Cash flow/mo	Cash-on-cash	Fit
$1,775	0.86	−$571	−12.51%	Deal-breaker (deal attractiveness)
$1,823	0.89	−$532	−11.65%	Deal-breaker (deal attractiveness)
$1,870	0.91	−$492	−10.78%	Deal-breaker (deal attractiveness)
$1,918	0.93	−$453	−9.92%	Deal-breaker (deal attractiveness)
$1,966	0.96	−$413	−9.05%	Deal-breaker (deal attractiveness)
$2,013	1.00	−$332	−7.28%	Deal-breaker (deal attractiveness)
$2,061	1.03	−$293	−6.41%	Deal-breaker (deal attractiveness)
$2,109	1.05	−$253	−5.55%	Deal-breaker (deal attractiveness)
$2,156	1.07	−$214	−4.68%	Deal-breaker (deal attractiveness)
$2,204	1.11	−$154	−3.37%	Deal-breaker (deal attractiveness)
$2,252	1.13	−$114	−2.51%	Deal-breaker (deal attractiveness)
$2,299	1.16	−$75	−1.64%	Deal-breaker (deal attractiveness)
$2,347	1.18	−$36	−0.78%	Deal-breaker (deal attractiveness)
$2,395	1.21	$4	0.09%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,442	1.23	$43	0.95%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,490	1.26	$93	2.04%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,538	1.28	$132	2.9%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,585	1.31	$172	3.76%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,633	1.33	$211	4.63%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,680	1.36	$251	5.49%	Trade-offs (negotiation difficulty)
$2,728	1.38	$290	6.36%	Trade-offs (negotiation difficulty)
$2,776	1.41	$330	7.22%	Trade-offs (negotiation difficulty)
$2,823	1.43	$369	8.09%	Trade-offs (negotiation difficulty)
$2,871	1.45	$409	8.95%	Trade-offs (negotiation difficulty)
$2,919	1.48	$448	9.81%	Trade-offs (negotiation difficulty)
$2,966	1.50	$488	10.68%	Trade-offs (negotiation difficulty)
$3,014	1.53	$527	11.54%	Trade-offs (negotiation difficulty)
$3,062	1.55	$567	12.41%	Trade-offs (negotiation difficulty)
$3,109	1.57	$606	13.27%	Trade-offs (negotiation difficulty)
$3,157	1.60	$645	14.13%	Trade-offs (negotiation difficulty)
$3,205	1.62	$685	15%	Trade-offs (negotiation difficulty)
$3,252	1.65	$724	15.86%	Trade-offs (negotiation difficulty)
$3,300	1.67	$764	16.73%	Trade-offs (negotiation difficulty)

Vacancy 8%

That’s about 1 month empty a year, or $2,400 of rent you don’t collect.

Monthly cash flow at each vacancy rate

Each point of vacancy is about $305 a year of rent you don’t collect.

Show as a table

Vacancy	Rent collected/mo	Cash flow/mo	Fit
0%	$2,540	$317	Trade-offs (negotiation difficulty)
1%	$2,515	$295	Trade-offs (negotiation difficulty)
2%	$2,489	$272	Trade-offs (negotiation difficulty)
3%	$2,464	$249	Trade-offs (negotiation difficulty)
4%	$2,438	$226	Trade-offs (deal attractiveness, negotiation difficulty)
5%	$2,413	$203	Trade-offs (deal attractiveness, negotiation difficulty)
6%	$2,388	$180	Trade-offs (deal attractiveness, negotiation difficulty)
7%	$2,362	$157	Trade-offs (deal attractiveness, negotiation difficulty)
8%	$2,337	$135	Trade-offs (deal attractiveness, negotiation difficulty)
9%	$2,311	$112	Trade-offs (deal attractiveness, negotiation difficulty)
10%	$2,286	$89	Trade-offs (deal attractiveness, negotiation difficulty)
11%	$2,261	$66	Trade-offs (deal attractiveness, negotiation difficulty)
12%	$2,235	$43	Trade-offs (deal attractiveness, negotiation difficulty)
13%	$2,210	$20	Trade-offs (deal attractiveness, negotiation difficulty)
14%	$2,184	−$3	Deal-breaker (deal attractiveness)
15%	$2,159	−$25	Deal-breaker (deal attractiveness)
16%	$2,134	−$48	Deal-breaker (deal attractiveness)
17%	$2,108	−$71	Deal-breaker (deal attractiveness)
18%	$2,083	−$94	Deal-breaker (deal attractiveness)
19%	$2,057	−$117	Deal-breaker (deal attractiveness)
20%	$2,032	−$140	Deal-breaker (deal attractiveness)
21%	$2,007	−$163	Deal-breaker (deal attractiveness)
22%	$1,981	−$186	Deal-breaker (deal attractiveness)
23%	$1,956	−$208	Deal-breaker (deal attractiveness)
24%	$1,930	−$231	Deal-breaker (deal attractiveness)
25%	$1,905	−$254	Deal-breaker (deal attractiveness)

More assumptions: management, set-asides and renovation

Property management

That’s about $0 a month.

You’d manage it yourself. A manager would cost about $187 to $280 a month here.

Repairs reserve

That’s about $117 a month.

Big replacements reserve

That’s about $117 a month.

Where each month’s rent goes

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: $135 a month.

Show as a table

Line	Per month	Share of rent
Empty months (vacancy)	$203	8%
Repairs and big replacements	$234	9%
Loan payment, taxes, insurance and HOA	$1,969	78%
Cash flow	$135	5%

Renovation budget $10,000

How you’ll pay for it

Pay it from my cashAdd it to the loan

It’s part of your cash to close.

That adds $10,000 to your cash to close, so your cash-on-cash return is 2.95% instead of 3.6%.

Cash-on-cash return at each renovation budget

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	$44,800	$135	3.6%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$5,000	$49,800	$135	3.24%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$10,000	$54,800	$135	2.95%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$15,000	$59,800	$135	2.7%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$20,000	$64,800	$135	2.49%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$25,000	$69,800	$135	2.31%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$30,000	$74,800	$135	2.16%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$35,000	$79,800	$135	2.02%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$40,000	$84,800	$135	1.9%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$45,000	$89,800	$135	1.8%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$50,000	$94,800	$135	1.7%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$55,000	$99,800	$135	1.62%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$60,000	$104,800	$135	1.54%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$65,000	$109,800	$135	1.47%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$70,000	$114,800	$135	1.41%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$75,000	$119,800	$135	1.35%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$80,000	$124,800	$135	1.29%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$85,000	$129,800	$135	1.24%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$90,000	$134,800	$135	1.2%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$95,000	$139,800	$135	1.15%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$100,000	$144,800	$135	1.11%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)

Does the rent cover the loan?

At the starting price of $160,000 with 25% down, the rent of $2,540 a month covers the monthly payment 1.29 times. That’s at or above 1.25, where lenders offer their best pricing.

0.601.001.201.40

Monthly payment () at these numbers
What it pays for	Where the number comes from	Per month
Loan payment	$120,000 loan at 7.240% over 30 years, at our estimated rate.	$818
Property taxes	Your tax rate as an investor on $322,953, with no exemptions. See the tax details below.	$622
Insurance	Our middle estimate. See the insurance details below.	$278
HOA dues	From the home’s details.	$250
Total (PITIA)		$1,969

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 $100k–$125k	+0.200%
Rent coverage 1.25+	+0.000%
Estimated rate	7.240%

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) = $160,000 × (1 − 25%) = $120,000, a of 75%
Loan payment (principal and interest): $120,000 at 7.240%, paid off evenly over 30 years = $818 a month
Full monthly payment (PITIA): $818 + taxes $622 + insurance $278 + HOA $250 = $1,969
DSCR: rent ÷ payment = $2,540 ÷ $1,969 = 1.29 (the full rent, nothing off for empty months, as lenders count it)
Rent you actually collect: rent × (1 − vacancy) = $2,540 × (1 − 8%) = $2,337
Set aside each month: $2,337 × (0% management + 5% repairs + 5% big replacements) = $234
Monthly cash flow: $2,337 − $234 − $1,969 = $135
Cash to close: down payment $40,000 + closing costs 3% ($4,800) + renovation $10,000 = $54,800
Cash-on-cash return: 12 × $135 ÷ $54,800 = 2.95% a year

Local details behind the numbers

Your property taxes as an investor

About $7,468 a year ($622 a month) on a taxable value of $322,953 (the county’s market value, which is higher than the starting price of $160,000)

2.31% a year ($2.3126 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 ($326,054) times this home’s rates comes to about $7,386, before any exemptions, so their real bill is lower. You’d pay about $7,468, which is $83 more.

Every local government that taxes this home
Taxing district	Kind	Rate per $100	Per year
KATY ISD	School district	1.1171	$3,608
HARRIS COUNTY	County	0.4175	$1,348
HARRIS CO FLOOD CNTRL	Flood control	0.0527	$170
PORT OF HOUSTON AUTHY	Port authority	0.0060	$19
HARRIS CO HOSP DIST	Hospital district	0.1953	$631
HARRIS CO EDUC DEPT	County education department	0.0048	$15
CITY OF HOUSTON	City	0.5192	$1,677
Total		2.3126	$7,468

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 1416380030008 (1524 PARKLAND OAK, HOUSTON, 77084), from Harris County’s Truth-in-Taxation record, read Oct 26, 2026. Exemptions on record: none. This is our estimate. Check it against the seller’s tax statement.

What it could rent for

About $2,540/month likely $2,300 to $2,780

Solid The range is tight, and the rentals it compared are close by and similar.

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.

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 miles away, renting for $2,399 to $3,400 (the middle one: $2,500). 6 of them were on the market in the last 90 days.

They rent for about $1.37 per square foot. At this home’s size, that’s about $2,650/month.

How long nearby rentals took to lease

About 24 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.

Rent compared with the price

The rent is 1.59% of the price each month, so the price is about 5.2 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 · 2.5 baths · 1,939 sq ft, from the home’s details.

Last sale on record

Jul 11, 2022 for $294,848

From public records. What the seller paid can help when you negotiate.

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
Rental	Beds / baths	Sq ft	Rent	Per sq ft	Distance	On the market
1514 Lakeline Oak Dr	3 / 2.5	1,911	$2,399	$1.26	0 mi	Left after 14 days · seen Apr 14, 2026
1510 Lakeline Oak Dr	3 / 2.5	1,891	$2,400	$1.27	0 mi	Still listed after 64 days · seen Oct 26, 2026
1519 Beach Oak Dr	3 / 2.5	1,891	$2,500	$1.32	0 mi	Left after 27 days · seen Mar 9, 2026
1526 Parkland Oak Dr	3 / 2.5	2,041	$2,500	$1.22	0 mi	Left after 15 days · seen Jul 16, 2026
1526 Lakeline Oak Dr	3 / 2.5	2,093	$2,515	$1.20	0 mi	Still listed after 85 days · seen Oct 26, 2026
1520 Parkland Oak Dr	3 / 2.5	1,771	$2,400	$1.36	0 mi	Still listed after 85 days · seen Oct 26, 2026
1517 Parkland Oak Dr	3 / 2.5	1,771	$2,500	$1.41	0 mi	Left after 122 days · seen May 20, 2026
16108 Oregon Oak Dr	3 / 2.5	1,763	$2,400	$1.36	0 mi	Left after 23 days · seen May 24, 2026
1512 Parkland Oak Dr	3 / 2.5	1,752	$2,750	$1.57	0 mi	Left after 37 days · seen Sep 1, 2026
16012 Oregon Oak Dr	3 / 2.5	1,755	$2,400	$1.37	0 mi	Left after 22 days · seen Feb 7, 2026
16032 Mason Run Dr	3 / 2.5	1,976	$3,400	$1.72	1.3 mi	Left after 17 days · seen Aug 19, 2026
1528 Lakeline Oak Dr	3 / 2.5	1,730	$2,500	$1.45	0 mi	Left after 24 days · seen Jun 28, 2026
16016 Oregon Oak Dr	3 / 2.5	1,730	$2,600	$1.50	0 mi	Left after 36 days · seen Mar 11, 2026
1525 Parkland Oak Dr	3 / 2.5	1,709	$2,400	$1.40	0 mi	Still listed after 22 days · seen Oct 26, 2026
1521 Beach Oak Dr	3 / 2.5	1,708	$2,400	$1.41	0 mi	Left after 48 days · seen May 13, 2026

RentCast’s rent estimate, read Oct 26, 2026.

Insurance you’ll need as a landlord

About $2,506 to $4,176 a year

$278 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 (1,939 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
Policy	Per year	How we estimated it
Home	$3,341	1,939 sq ft × $175 a sq ft to rebuild = $339,325 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)	$971	Not 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	$3,341	Range $2,506 to $4,176

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 $6,787 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 26, 2026. Get a real landlord policy quote before you make an offer.

What it’s worth

Asking price: $319,989
: $317,000
: $322,953 for 2026

An automated estimate, nudged a little toward the county’s value, read Oct 26, 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 half the asking price or value ($160,000). 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 $319,989.

See the home’s details

Property type: Single-family home
Bedrooms / bathrooms: 3 / 2.5
Living area: 1,939 sq ft
Lot: 1,960 sq ft
Year built: 2021
: $250/month
Days on the market: 25

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

Home details read Oct 26, 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 listing sites we checked describe this home a little differently. We used the one that matches the local listing service. The tax details show which figures came from where.

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 (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 cb45anazg8 · created Oct 26, 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.

How we make these reports

Is something wrong, or do you want this page taken down? Email us.

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At a glance

Three scores, out of 100

Deal attractiveness

Loan health

Negotiation difficulty

Our take

Your assumptions

Does the rent cover the loan?

What it would take to reach 1.2

Local details behind the numbers

Your property taxes as an investor

The seller’s bill vs. yours

What it could rent for

The rentals it compared

How long nearby rentals took to lease

Rent compared with the price

What the estimate is based on

Last sale on record

Insurance you’ll need as a landlord

Flood zone

Coastal wind area (TWIA)

What it’s worth

The home

Before you rely on these numbers

For this home

For every report

Talk it through before you make an offer.

About this report

More Greater Houston reports