---
title: "2934 Ashford Trail Dr, Houston, TX 77082: DSCR and rental numbers | DSCR Labs"
description: "Houston rental numbers: rent about $1,890 a month, DSCR 1.35 at 25% down, taxes 2.31% a year. A free Greater Houston DSCR Snapshot, updated Oct 29, 2026."
url: https://dscrlabs.com/calculator/tx/houston/2934-ashford-trail-dr-77082/hhk48583
---

# 2934 Ashford Trail Dr, Houston, TX 77082

Sale pending at $215,000. 3 bedrooms, 2 bathrooms, 2,019 sq ft, built 1978. Updated Oct 29, 2026.

## Summary

At the starting numbers, this home is a possible fit for a DSCR loan, with trade-offs. You would get a cash on cash return of 5.1% a year after vacancy and reserves, so the return on your cash is middling. Most lenders would likely make this loan on good terms because the rent covers the monthly payment 1.35 times. The home is in zone AE, a FEMA high risk flood zone, so a lender requires flood insurance.

At your price the rent already covers the payment 1.2 times. Getting this price would be hard because the home is under contract and you would be a backup offer. Rents in Greater Houston have been flat, so the numbers assume 8% vacancy and no rent growth. Get a real landlord insurance quote and a lender term sheet to firm up these estimates before making an offer.

## The numbers at the default assumptions

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

| | |
| --- | ---: |
| Price | $110,000 (the highest price where the numbers work) |
| Down payment | 25% ($27,500) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.34% |
| Monthly payment (PITIA) | $1,392 |
| Principal and interest | $568 |
| Property taxes | $392 |
| Insurance | $386 |
| HOA dues | $46 |
| Rent (estimate) | $1,890 (likely $1,680 to $2,090, from 15 rentals) |
| DSCR | 1.35 (the rent covers the payment 1.35 times) |
| Monthly cash flow | $173 |
| Cash to close | $40,800 |
| Cash-on-cash return | 5.1% |

## Taxes

Combined tax rate 2.31% 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: $3,475 to $5,791 a year.

## Before you rely on these numbers

- Every number here is an estimate. Before you make an offer, get a lender’s quote, an insurance quote, and a recent lease nearby to check the rent.
- Property taxes reset after a purchase. The seller’s exemptions and caps don’t transfer, and the taxable value moves toward your price.
- Get a real landlord insurance quote. Prices vary a lot by ZIP code, roof age and flood zone.
- Check the rent against a recent lease nearby. Lenders use the lower of your signed lease and the appraiser’s rent estimate.
- Texas doesn’t make sale prices public, so every home value estimate here is rough. Ask an agent for recent sales nearby before you make an offer.

## Sources

U.S. Census Bureau, county tax records, FEMA’s flood map, the Texas Department of Insurance and RentCast. See how we make these reports: https://dscrlabs.com/calculator/methodology.md

Try your own price, down payment and rent on the report page: https://dscrlabs.com/calculator/tx/houston/2934-ashford-trail-dr-77082/hhk48583

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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.