---
title: "2963 Shadow Trail Dr, Houston, TX 77082: DSCR and rental numbers | DSCR Labs"
description: "Houston rental numbers: rent about $2,030 a month, DSCR 1.40 at 25% down, taxes 2.11% a year. A free Greater Houston DSCR Snapshot, updated Nov 1, 2026."
url: https://dscrlabs.com/calculator/tx/houston/2963-shadow-trail-dr-77082/im6buzp7
---

# 2963 Shadow Trail Dr, Houston, TX 77082

For sale at $239,000. 3 bedrooms, 2 bathrooms, 1,566 sq ft, built 1982. Updated Nov 1, 2026.

## Summary

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.

## The numbers at the default assumptions

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

| | |
| --- | ---: |
| Price | $162,000 (the highest price where the numbers work) |
| Down payment | 25% ($40,500) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.24% |
| Monthly payment (PITIA) | $1,447 |
| Principal and interest | $828 |
| Property taxes | $352 |
| Insurance | $225 |
| HOA dues | $42 |
| Rent (estimate) | $2,030 (likely $1,790 to $2,270, from 15 rentals) |
| DSCR | 1.40 (the rent covers the payment 1.40 times) |
| Monthly cash flow | $234 |
| Cash to close | $55,360 |
| Cash-on-cash return | 5.08% |

## Taxes

Combined tax rate 2.11% a year (2026 rates), including a MUD. It uses no homestead exemption, because that ends when a home sells.

## Flood and insurance

FEMA flood zone X. Insurance estimate: $2,024 to $3,373 a year.

## Before you rely on these numbers

- The verdict uses our standard wording. The AI-written version wasn’t ready, or it didn’t pass our fact check.
- 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/2963-shadow-trail-dr-77082/im6buzp7

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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.