---
title: "3422 Ledgestone Dr, Houston, TX 77059: DSCR and rental numbers | DSCR Labs"
description: "Houston rental numbers: rent about $3,580 a month, DSCR 1.38 at 25% down, taxes 2.41% a year. A free Greater Houston DSCR Snapshot, updated Nov 4, 2026."
url: https://dscrlabs.com/calculator/tx/houston/3422-ledgestone-dr-77059/6n2emdqy
---

# 3422 Ledgestone Dr, Houston, TX 77059

For sale at $235,000. 5 bedrooms, 3.5 bathrooms, 3,160 sq ft, built 1977. Updated Nov 4, 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 1.38 times (DSCR 1.38), and you would have $378 a month left over after vacancy and reserves.

With the other settings as they are, a price from $156,000 to $245,000 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): CLEAR LAKE CITY WA adds 0.25% to the tax rate, and the county labels it a developing district whose rate can change. 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 | $235,000 (the asking price) |
| Down payment | 25% ($58,750) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.04% |
| Monthly payment (PITIA) | $2,586 |
| Principal and interest | $1,177 |
| Property taxes | $916 |
| Insurance | $454 |
| HOA dues | $40 |
| Rent (estimate) | $3,580 (likely $2,880 to $4,280, from 15 rentals) |
| DSCR | 1.38 (the rent covers the payment 1.38 times) |
| Monthly cash flow | $378 |
| Cash to close | $75,800 |
| Cash-on-cash return | 5.98% |

## Taxes

Combined tax rate 2.41% 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: $4,083 to $6,805 a year.

## Before you rely on these numbers

- 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.
- 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/3422-ledgestone-dr-77059/6n2emdqy

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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.