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%.
DSCR Snapshot
2963 Shadow Trail Dr Houston, TX 77082
This is an estimate, not a loan approval.
At a glance
Your numbers: $162,000 price · 25% down · $2,030 a month rent · 7.24% rate · 8% vacancy · $10,000 renovation in cash Change the numbers
Rent coverage ()
1.40
1.25 or more gets lenders’ best pricing
Monthly cash flow
$234
$2,810 a year
$55,360
25% down, closing costs and renovation
5.08%
A year, on the cash you bring
Works on all three scores. With your other settings, a price from $143,000 to $163,000 works on all three. See your maximum offer
Three scores, out of 100
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
- 1.40× 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
48/100
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 6%: listed 37 days, priced over the estimated home value. Working against you: the seller sounds firm.
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 1.40 times (DSCR 1.40), and you would have $234 a month left over after vacancy and reserves.
With the other settings as they are, a price from $143,000 to $163,000 works on all three scores. Getting a price in that range would be possible with a motivated seller. The home is in a municipal utility district (MUD): WEST HC MUD 6 adds 0.22% to the tax rate. 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
At this rent, a price of about $205,611 gets the rent to cover the payment 1.2 times.
Show as a table
| Price | DSCR | Payment/mo | Cash flow/mo | Fit |
|---|---|---|---|---|
| $96,000 | 1.81 | $1,119 | $562 | Deal-breaker (loan health, negotiation difficulty) |
| $102,719 | 1.76 | $1,149 | $532 | Deal-breaker (negotiation difficulty) |
| $109,438 | 1.71 | $1,184 | $497 | Deal-breaker (negotiation difficulty) |
| $116,156 | 1.66 | $1,218 | $463 | Deal-breaker (negotiation difficulty) |
| $122,875 | 1.62 | $1,253 | $428 | Trade-offs (negotiation difficulty) |
| $129,594 | 1.57 | $1,288 | $393 | Trade-offs (negotiation difficulty) |
| $136,313 | 1.54 | $1,315 | $365 | Trade-offs (negotiation difficulty) |
| $143,031 | 1.50 | $1,350 | $331 | Works on all three |
| $149,750 | 1.46 | $1,384 | $297 | Works on all three |
| $156,469 | 1.43 | $1,418 | $262 | Works on all three |
| $163,188 | 1.39 | $1,453 | $228 | Trade-offs (deal attractiveness) |
| $169,906 | 1.37 | $1,478 | $202 | Trade-offs (deal attractiveness) |
| $176,625 | 1.34 | $1,512 | $168 | Trade-offs (deal attractiveness) |
| $183,344 | 1.31 | $1,546 | $134 | Trade-offs (deal attractiveness) |
| $190,063 | 1.28 | $1,580 | $100 | Trade-offs (deal attractiveness) |
| $196,781 | 1.25 | $1,614 | $66 | Trade-offs (deal attractiveness) |
| $203,500 | 1.22 | $1,656 | $25 | Trade-offs (deal attractiveness) |
| $210,219 | 1.19 | $1,702 | −$21 | Deal-breaker (deal attractiveness) |
| $216,938 | 1.16 | $1,748 | −$67 | Deal-breaker (deal attractiveness) |
| $223,656 | 1.13 | $1,794 | −$113 | Deal-breaker (deal attractiveness) |
| $230,375 | 1.10 | $1,840 | −$159 | Deal-breaker (deal attractiveness) |
| $237,094 | 1.05 | $1,916 | −$235 | Deal-breaker (deal attractiveness) |
| $243,813 | 1.03 | $1,963 | −$282 | Deal-breaker (deal attractiveness) |
| $250,531 | 1.01 | $2,009 | −$329 | Deal-breaker (deal attractiveness) |
| $257,250 | 0.95 | $2,123 | −$442 | Deal-breaker (deal attractiveness) |
| $263,969 | 0.93 | $2,171 | −$490 | Deal-breaker (deal attractiveness) |
| $270,688 | 0.91 | $2,220 | −$539 | Deal-breaker (deal attractiveness) |
| $277,406 | 0.89 | $2,268 | −$587 | Deal-breaker (deal attractiveness) |
| $284,125 | 0.87 | $2,317 | −$636 | Deal-breaker (deal attractiveness) |
| $290,844 | 0.85 | $2,365 | −$684 | Deal-breaker (deal attractiveness) |
| $297,563 | 0.84 | $2,413 | −$733 | Deal-breaker (deal attractiveness) |
| $304,281 | 0.82 | $2,462 | −$781 | Deal-breaker (deal attractiveness) |
| $311,000 | 0.80 | $2,510 | −$830 | Deal-breaker (deal attractiveness) |
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $39,160 | $110 | 1.29 | Deal-breaker (loan health) |
| 16% | $40,780 | $121 | 1.30 | Deal-breaker (loan health) |
| 17% | $42,400 | $132 | 1.31 | Deal-breaker (loan health) |
| 18% | $44,020 | $143 | 1.32 | Deal-breaker (loan health) |
| 19% | $45,640 | $155 | 1.33 | Deal-breaker (loan health) |
| 20% | $47,260 | $166 | 1.33 | Trade-offs (deal attractiveness) |
| 21% | $48,880 | $177 | 1.34 | Trade-offs (deal attractiveness) |
| 22% | $50,500 | $188 | 1.35 | Trade-offs (deal attractiveness) |
| 23% | $52,120 | $191 | 1.36 | Trade-offs (deal attractiveness) |
| 24% | $53,740 | $202 | 1.37 | Trade-offs (deal attractiveness) |
| 25% | $55,360 | $234 | 1.40 | Works on all three |
| 26% | $56,980 | $245 | 1.41 | Works on all three |
| 27% | $58,600 | $256 | 1.42 | Works on all three |
| 28% | $60,220 | $267 | 1.43 | Works on all three |
| 29% | $61,840 | $278 | 1.44 | Works on all three |
| 30% | $63,460 | $299 | 1.46 | Works on all three |
| 31% | $65,080 | $310 | 1.48 | Works on all three |
| 32% | $66,700 | $321 | 1.49 | Works on all three |
| 33% | $68,320 | $332 | 1.50 | Works on all three |
| 34% | $69,940 | $343 | 1.51 | Works on all three |
| 35% | $71,560 | $362 | 1.53 | Works on all three |
| 36% | $73,180 | $373 | 1.55 | Works on all three |
| 37% | $74,800 | $384 | 1.56 | Works on all three |
| 38% | $76,420 | $395 | 1.57 | Works on all three |
| 39% | $78,040 | $399 | 1.58 | Works on all three |
| 40% | $79,660 | $410 | 1.59 | Works on all three |
| 41% | $81,280 | $421 | 1.61 | Works on all three |
| 42% | $82,900 | $431 | 1.62 | Works on all three |
| 43% | $84,520 | $442 | 1.63 | Works on all three |
| 44% | $86,140 | $453 | 1.65 | Works on all three |
| 45% | $87,760 | $464 | 1.66 | Works on all three |
| 46% | $89,380 | $475 | 1.68 | Works on all three |
| 47% | $91,000 | $486 | 1.69 | Works on all three |
| 48% | $92,620 | $497 | 1.71 | Works on all three |
| 49% | $94,240 | $508 | 1.73 | Works on all three |
| 50% | $95,860 | $518 | 1.74 | Works on all three |
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $39,160 | $110 | 1.29 | Deal-breaker (loan health) |
| 16% | $40,780 | $121 | 1.30 | Deal-breaker (loan health) |
| 17% | $42,400 | $132 | 1.31 | Deal-breaker (loan health) |
| 18% | $44,020 | $143 | 1.32 | Deal-breaker (loan health) |
| 19% | $45,640 | $155 | 1.33 | Deal-breaker (loan health) |
| 20% | $47,260 | $166 | 1.33 | Trade-offs (deal attractiveness) |
| 21% | $48,880 | $177 | 1.34 | Trade-offs (deal attractiveness) |
| 22% | $50,500 | $188 | 1.35 | Trade-offs (deal attractiveness) |
| 23% | $52,120 | $191 | 1.36 | Trade-offs (deal attractiveness) |
| 24% | $53,740 | $202 | 1.37 | Trade-offs (deal attractiveness) |
| 25% | $55,360 | $234 | 1.40 | Works on all three |
| 26% | $56,980 | $245 | 1.41 | Works on all three |
| 27% | $58,600 | $256 | 1.42 | Works on all three |
| 28% | $60,220 | $267 | 1.43 | Works on all three |
| 29% | $61,840 | $278 | 1.44 | Works on all three |
| 30% | $63,460 | $299 | 1.46 | Works on all three |
| 31% | $65,080 | $310 | 1.48 | Works on all three |
| 32% | $66,700 | $321 | 1.49 | Works on all three |
| 33% | $68,320 | $332 | 1.50 | Works on all three |
| 34% | $69,940 | $343 | 1.51 | Works on all three |
| 35% | $71,560 | $362 | 1.53 | Works on all three |
| 36% | $73,180 | $373 | 1.55 | Works on all three |
| 37% | $74,800 | $384 | 1.56 | Works on all three |
| 38% | $76,420 | $395 | 1.57 | Works on all three |
| 39% | $78,040 | $399 | 1.58 | Works on all three |
| 40% | $79,660 | $410 | 1.59 | Works on all three |
| 41% | $81,280 | $421 | 1.61 | Works on all three |
| 42% | $82,900 | $431 | 1.62 | Works on all three |
| 43% | $84,520 | $442 | 1.63 | Works on all three |
| 44% | $86,140 | $453 | 1.65 | Works on all three |
| 45% | $87,760 | $464 | 1.66 | Works on all three |
| 46% | $89,380 | $475 | 1.68 | Works on all three |
| 47% | $91,000 | $486 | 1.69 | Works on all three |
| 48% | $92,620 | $497 | 1.71 | Works on all three |
| 49% | $94,240 | $508 | 1.73 | Works on all three |
| 50% | $95,860 | $518 | 1.74 | Works on all three |
Show as a table
| Credit score | Estimated rate | Loan payment/mo | DSCR | Fit |
|---|---|---|---|---|
| 620 | 7.64% | $861 | 1.37 | Deal-breaker (loan health) |
| 630 | 7.64% | $861 | 1.37 | Deal-breaker (loan health) |
| 640 | 7.64% | $861 | 1.37 | Deal-breaker (loan health) |
| 650 | 7.64% | $861 | 1.37 | Deal-breaker (loan health) |
| 660 | 7.64% | $861 | 1.37 | Trade-offs (deal attractiveness) |
| 670 | 7.64% | $861 | 1.37 | Trade-offs (deal attractiveness) |
| 680 | 7.39% | $840 | 1.39 | Trade-offs (deal attractiveness) |
| 690 | 7.39% | $840 | 1.39 | Trade-offs (deal attractiveness) |
| 700 | 7.29% | $832 | 1.39 | Works on all three |
| 710 | 7.29% | $832 | 1.39 | Works on all three |
| 720 | 7.24% | $828 | 1.40 | Works on all three |
| 730 | 7.24% | $828 | 1.40 | Works on all three |
| 740 | 7.19% | $824 | 1.40 | Works on all three |
| 750 | 7.19% | $824 | 1.40 | Works on all three |
| 760 | 7.14% | $820 | 1.41 | Works on all three |
| 770 | 7.14% | $820 | 1.41 | Works on all three |
| 780 | 7.14% | $820 | 1.41 | Works on all three |
| 790 | 7.14% | $820 | 1.41 | Works on all three |
| 800 | 7.14% | $820 | 1.41 | Works on all three |
| 810 | 7.14% | $820 | 1.41 | Works on all three |
| 820 | 7.14% | $820 | 1.41 | Works on all three |
Show as a table
| Rate | Loan payment/mo | DSCR | Cash flow/mo | Fit |
|---|---|---|---|---|
| 5.00% | $652 | 1.59 | $410 | Works on all three |
| 5.25% | $671 | 1.57 | $391 | Works on all three |
| 5.50% | $690 | 1.55 | $372 | Works on all three |
| 5.75% | $709 | 1.52 | $353 | Works on all three |
| 6.00% | $728 | 1.50 | $334 | Works on all three |
| 6.25% | $748 | 1.48 | $314 | Works on all three |
| 6.50% | $768 | 1.46 | $294 | Works on all three |
| 6.75% | $788 | 1.44 | $274 | Works on all three |
| 7.00% | $808 | 1.42 | $254 | Works on all three |
| 7.25% | $829 | 1.40 | $233 | Works on all three |
| 7.50% | $850 | 1.38 | $213 | Trade-offs (deal attractiveness) |
| 7.75% | $870 | 1.36 | $192 | Trade-offs (deal attractiveness) |
| 8.00% | $892 | 1.34 | $171 | Trade-offs (deal attractiveness) |
| 8.25% | $913 | 1.32 | $149 | Trade-offs (deal attractiveness) |
| 8.50% | $934 | 1.30 | $128 | Trade-offs (deal attractiveness) |
| 8.75% | $956 | 1.28 | $106 | Trade-offs (deal attractiveness) |
| 9.00% | $978 | 1.27 | $85 | Trade-offs (deal attractiveness) |
| 9.25% | $1,000 | 1.25 | $63 | Trade-offs (deal attractiveness) |
| 9.50% | $1,022 | 1.23 | $41 | Trade-offs (deal attractiveness) |
| 9.75% | $1,044 | 1.22 | $18 | Trade-offs (deal attractiveness) |
| 10.00% | $1,066 | 1.20 | −$4 | Deal-breaker (deal attractiveness) |
| 10.25% | $1,089 | 1.18 | −$27 | Deal-breaker (deal attractiveness) |
| 10.50% | $1,111 | 1.17 | −$49 | Deal-breaker (deal attractiveness) |
| 10.75% | $1,134 | 1.15 | −$72 | Deal-breaker (deal attractiveness) |
| 11.00% | $1,157 | 1.14 | −$95 | Deal-breaker (deal attractiveness) |
| 11.25% | $1,180 | 1.12 | −$118 | Deal-breaker (deal attractiveness) |
| 11.50% | $1,203 | 1.11 | −$141 | Deal-breaker (deal attractiveness) |
| 11.75% | $1,226 | 1.10 | −$164 | Deal-breaker (deal attractiveness) |
| 12.00% | $1,250 | 1.08 | −$188 | Deal-breaker (deal attractiveness) |
At this price, a rent of about $1,736 would reach DSCR 1.2.
Show as a table
| Rent | DSCR | Cash flow/mo | Cash-on-cash | Fit |
|---|---|---|---|---|
| $1,425 | 0.93 | −$340 | −7.37% | Deal-breaker (deal attractiveness) |
| $1,463 | 0.96 | −$308 | −6.68% | Deal-breaker (deal attractiveness) |
| $1,502 | 1.01 | −$234 | −5.08% | Deal-breaker (deal attractiveness) |
| $1,540 | 1.04 | −$203 | −4.4% | Deal-breaker (deal attractiveness) |
| $1,578 | 1.06 | −$171 | −3.71% | Deal-breaker (deal attractiveness) |
| $1,616 | 1.10 | −$119 | −2.57% | Deal-breaker (deal attractiveness) |
| $1,655 | 1.13 | −$87 | −1.88% | Deal-breaker (deal attractiveness) |
| $1,693 | 1.16 | −$55 | −1.2% | Deal-breaker (deal attractiveness) |
| $1,731 | 1.18 | −$24 | −0.51% | Deal-breaker (deal attractiveness) |
| $1,770 | 1.21 | $8 | 0.18% | Trade-offs (deal attractiveness) |
| $1,808 | 1.24 | $40 | 0.86% | Trade-offs (deal attractiveness) |
| $1,846 | 1.27 | $82 | 1.78% | Trade-offs (deal attractiveness) |
| $1,884 | 1.30 | $114 | 2.46% | Trade-offs (deal attractiveness) |
| $1,923 | 1.32 | $145 | 3.15% | Trade-offs (deal attractiveness) |
| $1,961 | 1.35 | $177 | 3.84% | Trade-offs (deal attractiveness) |
| $1,999 | 1.38 | $209 | 4.52% | Trade-offs (deal attractiveness) |
| $2,038 | 1.40 | $240 | 5.21% | Works on all three |
| $2,076 | 1.43 | $272 | 5.9% | Works on all three |
| $2,114 | 1.46 | $304 | 6.58% | Works on all three |
| $2,152 | 1.48 | $335 | 7.27% | Works on all three |
| $2,191 | 1.51 | $367 | 7.96% | Works on all three |
| $2,229 | 1.54 | $399 | 8.65% | Works on all three |
| $2,267 | 1.56 | $431 | 9.33% | Works on all three |
| $2,305 | 1.59 | $462 | 10.02% | Works on all three |
| $2,344 | 1.62 | $494 | 10.71% | Works on all three |
| $2,382 | 1.64 | $526 | 11.39% | Works on all three |
| $2,420 | 1.67 | $557 | 12.08% | Works on all three |
| $2,459 | 1.69 | $589 | 12.77% | Works on all three |
| $2,497 | 1.72 | $621 | 13.46% | Works on all three |
| $2,535 | 1.75 | $652 | 14.14% | Works on all three |
| $2,573 | 1.77 | $684 | 14.83% | Works on all three |
| $2,612 | 1.80 | $716 | 15.52% | Works on all three |
| $2,650 | 1.83 | $748 | 16.2% | Works on all three |
Each point of vacancy is about $244 a year of rent you don’t collect.
Show as a table
| Vacancy | Rent collected/mo | Cash flow/mo | Fit |
|---|---|---|---|
| 0% | $2,030 | $380 | Works on all three |
| 1% | $2,010 | $362 | Works on all three |
| 2% | $1,989 | $344 | Works on all three |
| 3% | $1,969 | $326 | Works on all three |
| 4% | $1,949 | $307 | Works on all three |
| 5% | $1,929 | $289 | Works on all three |
| 6% | $1,908 | $271 | Works on all three |
| 7% | $1,888 | $252 | Works on all three |
| 8% | $1,868 | $234 | Works on all three |
| 9% | $1,847 | $216 | Trade-offs (deal attractiveness) |
| 10% | $1,827 | $198 | Trade-offs (deal attractiveness) |
| 11% | $1,807 | $179 | Trade-offs (deal attractiveness) |
| 12% | $1,786 | $161 | Trade-offs (deal attractiveness) |
| 13% | $1,766 | $143 | Trade-offs (deal attractiveness) |
| 14% | $1,746 | $125 | Trade-offs (deal attractiveness) |
| 15% | $1,726 | $106 | Trade-offs (deal attractiveness) |
| 16% | $1,705 | $88 | Trade-offs (deal attractiveness) |
| 17% | $1,685 | $70 | Trade-offs (deal attractiveness) |
| 18% | $1,665 | $51 | Trade-offs (deal attractiveness) |
| 19% | $1,644 | $33 | Trade-offs (deal attractiveness) |
| 20% | $1,624 | $15 | Trade-offs (deal attractiveness) |
| 21% | $1,604 | −$3 | Deal-breaker (deal attractiveness) |
| 22% | $1,583 | −$22 | Deal-breaker (deal attractiveness) |
| 23% | $1,563 | −$40 | Deal-breaker (deal attractiveness) |
| 24% | $1,543 | −$58 | Deal-breaker (deal attractiveness) |
| 25% | $1,523 | −$76 | Deal-breaker (deal attractiveness) |
More assumptions: management, set-asides and renovation
- 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: $234 a month.
Show as a table
| Line | Per month | Share of rent |
|---|---|---|
| Empty months (vacancy) | $162 | 8% |
| Repairs and big replacements | $187 | 9% |
| Loan payment, taxes, insurance and HOA | $1,447 | 71% |
| Cash flow | $234 | 12% |
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 | $45,360 | $234 | 6.2% | 1.40 | Works on all three |
| $5,000 | $50,360 | $234 | 5.58% | 1.40 | Works on all three |
| $10,000 | $55,360 | $234 | 5.08% | 1.40 | Works on all three |
| $15,000 | $60,360 | $234 | 4.66% | 1.40 | Trade-offs (deal attractiveness) |
| $20,000 | $65,360 | $234 | 4.3% | 1.40 | Trade-offs (deal attractiveness) |
| $25,000 | $70,360 | $234 | 3.99% | 1.40 | Trade-offs (deal attractiveness) |
| $30,000 | $75,360 | $234 | 3.73% | 1.40 | Trade-offs (deal attractiveness) |
| $35,000 | $80,360 | $234 | 3.5% | 1.40 | Trade-offs (deal attractiveness) |
| $40,000 | $85,360 | $234 | 3.29% | 1.40 | Trade-offs (deal attractiveness) |
| $45,000 | $90,360 | $234 | 3.11% | 1.40 | Trade-offs (deal attractiveness) |
| $50,000 | $95,360 | $234 | 2.95% | 1.40 | Trade-offs (deal attractiveness) |
| $55,000 | $100,360 | $234 | 2.8% | 1.40 | Trade-offs (deal attractiveness) |
| $60,000 | $105,360 | $234 | 2.67% | 1.40 | Trade-offs (deal attractiveness) |
| $65,000 | $110,360 | $234 | 2.55% | 1.40 | Trade-offs (deal attractiveness) |
| $70,000 | $115,360 | $234 | 2.44% | 1.40 | Trade-offs (deal attractiveness) |
| $75,000 | $120,360 | $234 | 2.33% | 1.40 | Trade-offs (deal attractiveness) |
| $80,000 | $125,360 | $234 | 2.24% | 1.40 | Trade-offs (deal attractiveness) |
| $85,000 | $130,360 | $234 | 2.16% | 1.40 | Trade-offs (deal attractiveness) |
| $90,000 | $135,360 | $234 | 2.08% | 1.40 | Trade-offs (deal attractiveness) |
| $95,000 | $140,360 | $234 | 2% | 1.40 | Trade-offs (deal attractiveness) |
| $100,000 | $145,360 | $234 | 1.93% | 1.40 | Trade-offs (deal attractiveness) |
Does the rent cover the loan?
At the starting price of $162,000 with 25% down, the rent of $2,030 a month covers the monthly payment 1.40 times. That’s at or above 1.25, where lenders offer their best pricing.
0.601.001.201.40
| What it pays for | Where the number comes from | Per month |
|---|---|---|
| Loan payment | $121,500 loan at 7.240% over 30 years, at our estimated rate. | $828 |
| Property taxes | Your tax rate as an investor on $200,488, with no exemptions. See the tax details below. | $352 |
| Insurance | Our middle estimate. See the insurance details below. | $225 |
| HOA dues | From the home’s details. | $42 |
| Total (PITIA) | $1,447 |
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) = $162,000 × (1 − 25%) = $121,500, a of 75%
- Loan payment (principal and interest)
- $121,500 at 7.240%, paid off evenly over 30 years = $828 a month
- Full monthly payment (PITIA)
- $828 + taxes $352 + insurance $225 + HOA $42 = $1,447
- DSCR
- rent ÷ payment = $2,030 ÷ $1,447 = 1.40 (the full rent, nothing off for empty months, as lenders count it)
- Rent you actually collect
- rent × (1 − vacancy) = $2,030 × (1 − 8%) = $1,868
- Set aside each month
- $1,868 × (0% management + 5% repairs + 5% big replacements) = $187
- Monthly cash flow
- $1,868 − $187 − $1,447 = $234
- Cash to close
- down payment $40,500 + closing costs 3% ($4,860) + renovation $10,000 = $55,360
- Cash-on-cash return
- 12 × $234 ÷ $55,360 = 5.08% a year
Local details behind the numbers
Your property taxes as an investor
About $4,226 a year ($352 a month) on a taxable value of $200,488 (the county’s market value, which is higher than the starting price of $162,000)
2.11% a year ($2.1077 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 ($216,375) times this home’s rates comes to about $4,396, before any exemptions, so their real bill is lower. You’d pay about $4,226, which is $170 less.
| Taxing district | Kind | Rate per $100 | Per year |
|---|---|---|---|
| ALIEF ISD | School district | 1.0204 | $2,046 |
| HARRIS COUNTY | County | 0.4175 | $837 |
| HARRIS CO FLOOD CNTRL | Flood control | 0.0527 | $106 |
| PORT OF HOUSTON AUTHY | Port authority | 0.0060 | $12 |
| HARRIS CO HOSP DIST | Hospital district | 0.1953 | $392 |
| HARRIS CO EDUC DEPT | County education department | 0.0048 | $10 |
| HOUSTON CITY COLLEGE | Community college | 0.0988 | $198 |
| HARRIS-FT BND ESD 100 | Emergency services district | 0.0921 | $185 |
| WEST HC MUD 6 | Utility district (MUD) | 0.2201 | $441 |
| Total | 2.1077 | $4,226 |
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.
: This home is in a MUD that taxes it at $0.2201 per $100, about $37 a month of the total. The MUD sold bonds to build the neighborhood’s water, sewer and drainage, and homeowners repay them through this tax. The rate usually falls as the bonds are paid off, but it can stay high for years in a new neighborhood.
Words to know: · · · · ·
Harris County appraisal district account 1141220020016 (2963 SHADOW TRAIL, HOUSTON, 77082), from Harris County’s Truth-in-Taxation record, read Nov 1, 2026. Exemptions on record: none. This is our estimate. Check it against the seller’s tax statement.
What it could rent for
About $2,030/month likely $1,790 to $2,270
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.
The rentals it compared
15 homes, usually 0.7 miles away, renting for $1,750 to $2,700 (the middle one: $1,950). 4 of them were on the market in the last 90 days.
They rent for about $1.25 per square foot. At this home’s size, that’s about $1,950/month.
How long nearby rentals took to lease
About 25 days (the middle of the rentals that left the market). 2 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 1.25% of the price each month, so the price is about 6.7 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 · 1,566 sq ft, from the home’s details.
Last sale on record
Dec 20, 2016 for $98,000
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
| Rental | Beds / baths | Sq ft | Rent | Per sq ft | Distance | On the market |
|---|---|---|---|---|---|---|
| 14311 Overbrook Ln | 3 / 2 | 1,558 | $1,750 | $1.12 | 1 mi | Left after 25 days · seen Jun 20, 2026 |
| 13722 Wickersham Ln | 3 / 2 | 1,516 | $1,850 | $1.22 | 0.6 mi | Left after 8 days · seen Aug 14, 2026 |
| 13727 Overbrook Ln | 3 / 2 | 1,633 | $1,950 | $1.19 | 0.6 mi | Left after 40 days · seen Mar 28, 2026 |
| 12805 Westpark Dr | 3 / 2 | 1,594 | $2,700 | $1.69 | 1.1 mi | Left after 245 days · seen May 5, 2026 |
| 3706 Luton Park Dr | 3 / 2 | 1,512 | $2,350 | $1.55 | 0.9 mi | Still listed after 17 days · seen Nov 1, 2026 |
| 13106 Hollowcreek Park Dr | 3 / 2 | 1,485 | $1,850 | $1.25 | 0.7 mi | Left after 165 days · seen May 15, 2026 |
| 13318 Ascot Glen Ln | 3 / 2 | 1,632 | $2,200 | $1.35 | 0.8 mi | Left after 64 days · seen Jun 22, 2026 |
| 3079 Hazy Park Dr | 3 / 2 | 1,686 | $2,000 | $1.19 | 0.5 mi | Still listed after 16 days · seen Nov 1, 2026 |
| 13835 Walnut Hollow Ln | 3 / 2 | 1,442 | $1,800 | $1.25 | 0.4 mi | Left after 3 days · seen Oct 1, 2026 |
| 13822 Wickersham Ln | 3 / 2 | 1,468 | $2,150 | $1.46 | 0.7 mi | Left after 184 days · seen Mar 24, 2026 |
| 13702 Ella Lee Ln | 3 / 2 | 1,680 | $1,950 | $1.16 | 0.7 mi | Left after 29 days · seen Jun 24, 2026 |
| 13806 Wickersham Ln | 3 / 2 | 1,690 | $2,000 | $1.18 | 0.6 mi | Left after 8 days · seen Jun 26, 2026 |
| 3103 Ashford Arbor Cor | 3 / 2 | 1,687 | $1,785 | $1.06 | 0.8 mi | Left after 29 days · seen Feb 28, 2026 |
| 3413 Benfield Dr | 3 / 2 | 1,454 | $1,850 | $1.27 | 0.9 mi | Left after 20 days · seen Mar 7, 2026 |
| 13814 Piping Rock Ln | 3 / 2 | 1,703 | $2,200 | $1.29 | 0.8 mi | Left after 16 days · seen Jul 14, 2026 |
RentCast’s rent estimate, read Nov 1, 2026.
Insurance you’ll need as a landlord
About $2,024 to $3,373 a year
$225 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 (1,566 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 | $2,698 | 1,566 sq ft × $175 a sq ft to rebuild = $274,050 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) | $1,154 | 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 | $2,698 | Range $2,024 to $3,373 |
Zone X (0.2 pct annual chance flood hazard) is a medium-risk area: the 500-year floodplain, or land behind a levee. Flood insurance isn’t required, but it’s worth having.
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 $5,481 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 1, 2026. Get a real landlord policy quote before you make an offer.
What it’s worth
- Asking price
- $239,000
- $230,500
- $200,488 for 2026
- An automated estimate, nudged a little toward the county’s value, read Nov 1, 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 ($162,000). 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 $239,000.
See the home’s details
- Property type
- Single-family home
- Bedrooms / bathrooms
- 3 / 2
- Living area
- 1,566 sq ft
- Lot
- 9,849 sq ft
- Year built
- 1982
- $42/month
- Days on the market
- 37
Homes that sit longer often leave more room to negotiate on price.
Home details read Nov 1, 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.
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 n2n9kujf6i · created Nov 1, 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.
More Greater Houston reports
- 2934 Ashford Trail Dr, Houston, TX 77082 updated Oct 29, 2026
- 3422 Ledgestone Dr, Houston, TX 77059 updated Nov 4, 2026
- 5846 Ettrick Dr, Houston, TX 77035 updated Nov 3, 2026
- 11306 Brook Meadow Cir, Houston, TX 77089 updated Oct 30, 2026
- 5411 Gibson St, Houston, TX 77007 updated Oct 29, 2026