DSCR Snapshot

3917 Willow Springs Ln Houston, TX 77080

This is an estimate, not a loan approval.

Single-family home · 3 bd · 1 ba · 1,470 sq ft · built 1957 Address as you typed it, matched on the U.S. Census Bureau’s map Oct 14, 2026.

Updated Oct 14, 2026

This report is from Oct 14, 2026. Since then, the asking price, whether it’s still for sale, and rents nearby may have changed.

It takes about 15 seconds. We check that you’re a person first.

At a glance

Your numbers: $163,000 price · 25% down · $2,150 a month rent · 7.24% rate · 8% vacancy · $10,000 renovation in cash Change the numbers

Rent coverage ()

1.39

1.25 or more gets lenders’ best pricing

Monthly cash flow

$237

$2,845 a year

$55,640

25% down, closing costs and renovation

5.11%

A year, on the cash you bring

Trade-offs: 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

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%.

Good terms likely

Loan health

85/100

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: 1.39× 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

62/100

Your price is 35% 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

It’s under contract, so you’d be a backup offer.

This seller may not come down at all. In your favor: priced over the estimated home value, the seller sounds open to offers.

How the seller describes it: it’s sold as-is or needs work, it’s pitched to investors.

Data quality: Solid 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. 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 make the loan on good terms since the rent covers the payment 1.39 times. This home needs major repairs before it can be rented.

At your price the rent already covers the payment 1.2 times. Getting this price would be hard because the home is under contract. 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.

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 $163,000

Starts at the highest price where the rent covers the payment 1.2 times and your cash earns at least 5% a year. The asking price is $250,000. Now 35% under the asking price and 34% under the estimated home value.

This seller may not come down at all, 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 $209,022 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
$100,000	1.75	$1,226	$554	Deal-breaker (negotiation difficulty)
$107,031	1.70	$1,263	$518	Deal-breaker (negotiation difficulty)
$114,063	1.65	$1,299	$481	Deal-breaker (negotiation difficulty)
$121,094	1.61	$1,335	$445	Deal-breaker (negotiation difficulty)
$128,125	1.56	$1,371	$409	Trade-offs (negotiation difficulty)
$135,156	1.53	$1,401	$379	Trade-offs (negotiation difficulty)
$142,188	1.49	$1,437	$343	Trade-offs (negotiation difficulty)
$149,219	1.45	$1,473	$308	Trade-offs (negotiation difficulty)
$156,250	1.42	$1,509	$272	Trade-offs (negotiation difficulty)
$163,281	1.39	$1,545	$236	Trade-offs (negotiation difficulty)
$170,313	1.36	$1,572	$208	Trade-offs (deal attractiveness)
$177,344	1.33	$1,607	$173	Trade-offs (deal attractiveness)
$184,375	1.30	$1,643	$137	Trade-offs (deal attractiveness)
$191,406	1.28	$1,679	$102	Trade-offs (deal attractiveness)
$198,438	1.25	$1,714	$66	Trade-offs (deal attractiveness)
$205,469	1.22	$1,752	$28	Trade-offs (deal attractiveness)
$212,500	1.20	$1,788	−$8	Deal-breaker (deal attractiveness)
$219,531	1.17	$1,824	−$44	Deal-breaker (deal attractiveness)
$226,563	1.15	$1,859	−$79	Deal-breaker (deal attractiveness)
$233,594	1.13	$1,895	−$115	Deal-breaker (deal attractiveness)
$240,625	1.11	$1,931	−$151	Deal-breaker (deal attractiveness)
$247,656	1.07	$1,998	−$218	Deal-breaker (deal attractiveness)
$254,688	1.05	$2,035	−$254	Deal-breaker (deal attractiveness)
$261,719	1.03	$2,071	−$291	Deal-breaker (deal attractiveness)
$268,750	1.01	$2,113	−$333	Deal-breaker (deal attractiveness)
$275,781	0.96	$2,234	−$454	Deal-breaker (deal attractiveness)
$282,813	0.94	$2,286	−$505	Deal-breaker (deal attractiveness)
$289,844	0.91	$2,337	−$557	Deal-breaker (deal attractiveness)
$296,875	0.90	$2,389	−$609	Deal-breaker (deal attractiveness)
$303,906	0.88	$2,440	−$660	Deal-breaker (deal attractiveness)
$310,938	0.86	$2,492	−$712	Deal-breaker (deal attractiveness)
$317,969	0.84	$2,543	−$763	Deal-breaker (deal attractiveness)
$325,000	0.82	$2,595	−$815	Deal-breaker (deal attractiveness)

Down payment

25%

That’s $40,750 at this price.

At 30% down the loan moves to a lower rate tier, about 0.125% less.
Each extra 5% down adds about $8,200 to the cash you bring and $65 a month to cash flow.

Cash to close

Show as a table

Down payment	Cash to close	Cash flow/mo	DSCR	Fit
15%	$39,340	$112	1.28	Deal-breaker (loan health)
16%	$40,970	$123	1.29	Deal-breaker (loan health)
17%	$42,600	$134	1.30	Deal-breaker (loan health)
18%	$44,230	$146	1.31	Deal-breaker (loan health)
19%	$45,860	$157	1.32	Deal-breaker (loan health)
20%	$47,490	$168	1.33	Trade-offs (deal attractiveness, negotiation difficulty)
21%	$49,120	$180	1.34	Trade-offs (deal attractiveness, negotiation difficulty)
22%	$50,750	$191	1.35	Trade-offs (deal attractiveness, negotiation difficulty)
23%	$52,380	$202	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
24%	$54,010	$205	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
25%	$55,640	$237	1.39	Trade-offs (negotiation difficulty)
26%	$57,270	$248	1.40	Trade-offs (negotiation difficulty)
27%	$58,900	$259	1.41	Trade-offs (negotiation difficulty)
28%	$60,530	$270	1.42	Trade-offs (negotiation difficulty)
29%	$62,160	$282	1.43	Trade-offs (negotiation difficulty)
30%	$63,790	$302	1.45	Trade-offs (negotiation difficulty)
31%	$65,420	$313	1.46	Trade-offs (negotiation difficulty)
32%	$67,050	$324	1.47	Trade-offs (negotiation difficulty)
33%	$68,680	$335	1.48	Trade-offs (negotiation difficulty)
34%	$70,310	$346	1.49	Trade-offs (negotiation difficulty)
35%	$71,940	$366	1.52	Trade-offs (negotiation difficulty)
36%	$73,570	$377	1.53	Trade-offs (negotiation difficulty)
37%	$75,200	$388	1.54	Trade-offs (negotiation difficulty)
38%	$76,830	$399	1.55	Trade-offs (negotiation difficulty)
39%	$78,460	$403	1.56	Trade-offs (negotiation difficulty)
40%	$80,090	$414	1.57	Trade-offs (negotiation difficulty)
41%	$81,720	$425	1.58	Trade-offs (negotiation difficulty)
42%	$83,350	$436	1.59	Trade-offs (negotiation difficulty)
43%	$84,980	$446	1.61	Trade-offs (negotiation difficulty)
44%	$86,610	$457	1.62	Trade-offs (negotiation difficulty)
45%	$88,240	$468	1.63	Trade-offs (negotiation difficulty)
46%	$89,870	$479	1.65	Trade-offs (negotiation difficulty)
47%	$91,500	$490	1.66	Trade-offs (negotiation difficulty)
48%	$93,130	$501	1.68	Trade-offs (negotiation difficulty)
49%	$94,760	$512	1.69	Trade-offs (negotiation difficulty)
50%	$96,390	$523	1.71	Trade-offs (negotiation difficulty)

Monthly cash flow

Show as a table

Down payment	Cash to close	Cash flow/mo	DSCR	Fit
15%	$39,340	$112	1.28	Deal-breaker (loan health)
16%	$40,970	$123	1.29	Deal-breaker (loan health)
17%	$42,600	$134	1.30	Deal-breaker (loan health)
18%	$44,230	$146	1.31	Deal-breaker (loan health)
19%	$45,860	$157	1.32	Deal-breaker (loan health)
20%	$47,490	$168	1.33	Trade-offs (deal attractiveness, negotiation difficulty)
21%	$49,120	$180	1.34	Trade-offs (deal attractiveness, negotiation difficulty)
22%	$50,750	$191	1.35	Trade-offs (deal attractiveness, negotiation difficulty)
23%	$52,380	$202	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
24%	$54,010	$205	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
25%	$55,640	$237	1.39	Trade-offs (negotiation difficulty)
26%	$57,270	$248	1.40	Trade-offs (negotiation difficulty)
27%	$58,900	$259	1.41	Trade-offs (negotiation difficulty)
28%	$60,530	$270	1.42	Trade-offs (negotiation difficulty)
29%	$62,160	$282	1.43	Trade-offs (negotiation difficulty)
30%	$63,790	$302	1.45	Trade-offs (negotiation difficulty)
31%	$65,420	$313	1.46	Trade-offs (negotiation difficulty)
32%	$67,050	$324	1.47	Trade-offs (negotiation difficulty)
33%	$68,680	$335	1.48	Trade-offs (negotiation difficulty)
34%	$70,310	$346	1.49	Trade-offs (negotiation difficulty)
35%	$71,940	$366	1.52	Trade-offs (negotiation difficulty)
36%	$73,570	$377	1.53	Trade-offs (negotiation difficulty)
37%	$75,200	$388	1.54	Trade-offs (negotiation difficulty)
38%	$76,830	$399	1.55	Trade-offs (negotiation difficulty)
39%	$78,460	$403	1.56	Trade-offs (negotiation difficulty)
40%	$80,090	$414	1.57	Trade-offs (negotiation difficulty)
41%	$81,720	$425	1.58	Trade-offs (negotiation difficulty)
42%	$83,350	$436	1.59	Trade-offs (negotiation difficulty)
43%	$84,980	$446	1.61	Trade-offs (negotiation difficulty)
44%	$86,610	$457	1.62	Trade-offs (negotiation difficulty)
45%	$88,240	$468	1.63	Trade-offs (negotiation difficulty)
46%	$89,870	$479	1.65	Trade-offs (negotiation difficulty)
47%	$91,500	$490	1.66	Trade-offs (negotiation difficulty)
48%	$93,130	$501	1.68	Trade-offs (negotiation difficulty)
49%	$94,760	$512	1.69	Trade-offs (negotiation difficulty)
50%	$96,390	$523	1.71	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%	$867	1.36	Deal-breaker (loan health)
630	7.64%	$867	1.36	Deal-breaker (loan health)
640	7.64%	$867	1.36	Deal-breaker (loan health)
650	7.64%	$867	1.36	Deal-breaker (loan health)
660	7.64%	$867	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
670	7.64%	$867	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
680	7.39%	$846	1.38	Trade-offs (deal attractiveness, negotiation difficulty)
690	7.39%	$846	1.38	Trade-offs (deal attractiveness, negotiation difficulty)
700	7.29%	$837	1.38	Trade-offs (negotiation difficulty)
710	7.29%	$837	1.38	Trade-offs (negotiation difficulty)
720	7.24%	$833	1.39	Trade-offs (negotiation difficulty)
730	7.24%	$833	1.39	Trade-offs (negotiation difficulty)
740	7.19%	$829	1.39	Trade-offs (negotiation difficulty)
750	7.19%	$829	1.39	Trade-offs (negotiation difficulty)
760	7.14%	$825	1.40	Trade-offs (negotiation difficulty)
770	7.14%	$825	1.40	Trade-offs (negotiation difficulty)
780	7.14%	$825	1.40	Trade-offs (negotiation difficulty)
790	7.14%	$825	1.40	Trade-offs (negotiation difficulty)
800	7.14%	$825	1.40	Trade-offs (negotiation difficulty)
810	7.14%	$825	1.40	Trade-offs (negotiation difficulty)
820	7.14%	$825	1.40	Trade-offs (negotiation difficulty)

Set my own rate

Interest rate 7.24%

Our estimate: 7.240%.

Above about 13.912%, 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%	$656	1.57	$414	Trade-offs (negotiation difficulty)
5.25%	$675	1.55	$395	Trade-offs (negotiation difficulty)
5.50%	$694	1.53	$376	Trade-offs (negotiation difficulty)
5.75%	$713	1.51	$357	Trade-offs (negotiation difficulty)
6.00%	$733	1.49	$337	Trade-offs (negotiation difficulty)
6.25%	$753	1.46	$318	Trade-offs (negotiation difficulty)
6.50%	$773	1.45	$298	Trade-offs (negotiation difficulty)
6.75%	$793	1.43	$277	Trade-offs (negotiation difficulty)
7.00%	$813	1.41	$257	Trade-offs (negotiation difficulty)
7.25%	$834	1.39	$236	Trade-offs (negotiation difficulty)
7.50%	$855	1.37	$215	Trade-offs (deal attractiveness, negotiation difficulty)
7.75%	$876	1.35	$194	Trade-offs (deal attractiveness, negotiation difficulty)
8.00%	$897	1.33	$173	Trade-offs (deal attractiveness, negotiation difficulty)
8.25%	$918	1.32	$152	Trade-offs (deal attractiveness, negotiation difficulty)
8.50%	$940	1.30	$130	Trade-offs (deal attractiveness, negotiation difficulty)
8.75%	$962	1.28	$108	Trade-offs (deal attractiveness, negotiation difficulty)
9.00%	$984	1.26	$87	Trade-offs (deal attractiveness, negotiation difficulty)
9.25%	$1,006	1.25	$64	Trade-offs (deal attractiveness, negotiation difficulty)
9.50%	$1,028	1.23	$42	Trade-offs (deal attractiveness, negotiation difficulty)
9.75%	$1,050	1.22	$20	Trade-offs (deal attractiveness, negotiation difficulty)
10.00%	$1,073	1.20	−$3	Deal-breaker (deal attractiveness)
10.25%	$1,095	1.19	−$25	Deal-breaker (deal attractiveness)
10.50%	$1,118	1.17	−$48	Deal-breaker (deal attractiveness)
10.75%	$1,141	1.16	−$71	Deal-breaker (deal attractiveness)
11.00%	$1,164	1.14	−$94	Deal-breaker (deal attractiveness)
11.25%	$1,187	1.13	−$117	Deal-breaker (deal attractiveness)
11.50%	$1,211	1.11	−$140	Deal-breaker (deal attractiveness)
11.75%	$1,234	1.10	−$164	Deal-breaker (deal attractiveness)
12.00%	$1,257	1.09	−$187	Deal-breaker (deal attractiveness)

Monthly rent $2,150

Starts at RentCast’s estimate from nearby rentals.

Inside the likely range of $1,950 to $2,350.
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 $1,852 would reach DSCR 1.2.

Show as a table

Rent	DSCR	Cash flow/mo	Cash-on-cash	Fit
$1,500	0.92	−$375	−8.08%	Deal-breaker (deal attractiveness)
$1,541	0.95	−$341	−7.36%	Deal-breaker (deal attractiveness)
$1,581	1.00	−$265	−5.72%	Deal-breaker (deal attractiveness)
$1,622	1.03	−$232	−4.99%	Deal-breaker (deal attractiveness)
$1,663	1.05	−$198	−4.27%	Deal-breaker (deal attractiveness)
$1,703	1.08	−$164	−3.54%	Deal-breaker (deal attractiveness)
$1,744	1.12	−$110	−2.37%	Deal-breaker (deal attractiveness)
$1,784	1.14	−$76	−1.64%	Deal-breaker (deal attractiveness)
$1,825	1.17	−$42	−0.91%	Deal-breaker (deal attractiveness)
$1,866	1.20	−$9	−0.19%	Deal-breaker (deal attractiveness)
$1,906	1.22	$25	0.54%	Trade-offs (deal attractiveness, negotiation difficulty)
$1,947	1.26	$69	1.49%	Trade-offs (deal attractiveness, negotiation difficulty)
$1,988	1.28	$103	2.21%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,028	1.31	$136	2.94%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,069	1.34	$170	3.66%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,109	1.36	$203	4.39%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,150	1.39	$237	5.11%	Trade-offs (negotiation difficulty)
$2,191	1.41	$271	5.84%	Trade-offs (negotiation difficulty)
$2,231	1.44	$304	6.56%	Trade-offs (negotiation difficulty)
$2,272	1.47	$338	7.29%	Trade-offs (negotiation difficulty)
$2,313	1.49	$372	8.02%	Trade-offs (negotiation difficulty)
$2,353	1.52	$405	8.74%	Trade-offs (negotiation difficulty)
$2,394	1.55	$439	9.47%	Trade-offs (negotiation difficulty)
$2,434	1.57	$473	10.19%	Trade-offs (negotiation difficulty)
$2,475	1.60	$506	10.92%	Trade-offs (negotiation difficulty)
$2,516	1.63	$540	11.64%	Trade-offs (negotiation difficulty)
$2,556	1.65	$573	12.37%	Trade-offs (negotiation difficulty)
$2,597	1.68	$607	13.09%	Trade-offs (negotiation difficulty)
$2,638	1.70	$641	13.82%	Trade-offs (negotiation difficulty)
$2,678	1.73	$674	14.54%	Trade-offs (negotiation difficulty)
$2,719	1.76	$708	15.27%	Trade-offs (negotiation difficulty)
$2,759	1.78	$742	16%	Trade-offs (negotiation difficulty)
$2,800	1.81	$775	16.72%	Trade-offs (negotiation difficulty)

Vacancy 8%

That’s about 1 month empty a year, or $2,100 of rent you don’t collect.

Monthly cash flow at each vacancy rate

Each point of vacancy is about $258 a year of rent you don’t collect.

Show as a table

Vacancy	Rent collected/mo	Cash flow/mo	Fit
0%	$2,150	$392	Trade-offs (negotiation difficulty)
1%	$2,129	$373	Trade-offs (negotiation difficulty)
2%	$2,107	$353	Trade-offs (negotiation difficulty)
3%	$2,086	$334	Trade-offs (negotiation difficulty)
4%	$2,064	$314	Trade-offs (negotiation difficulty)
5%	$2,043	$295	Trade-offs (negotiation difficulty)
6%	$2,021	$276	Trade-offs (negotiation difficulty)
7%	$2,000	$256	Trade-offs (negotiation difficulty)
8%	$1,978	$237	Trade-offs (negotiation difficulty)
9%	$1,957	$218	Trade-offs (deal attractiveness, negotiation difficulty)
10%	$1,935	$198	Trade-offs (deal attractiveness, negotiation difficulty)
11%	$1,914	$179	Trade-offs (deal attractiveness, negotiation difficulty)
12%	$1,892	$160	Trade-offs (deal attractiveness, negotiation difficulty)
13%	$1,871	$140	Trade-offs (deal attractiveness, negotiation difficulty)
14%	$1,849	$121	Trade-offs (deal attractiveness, negotiation difficulty)
15%	$1,828	$102	Trade-offs (deal attractiveness, negotiation difficulty)
16%	$1,806	$82	Trade-offs (deal attractiveness, negotiation difficulty)
17%	$1,785	$63	Trade-offs (deal attractiveness, negotiation difficulty)
18%	$1,763	$44	Trade-offs (deal attractiveness, negotiation difficulty)
19%	$1,742	$24	Trade-offs (deal attractiveness, negotiation difficulty)
20%	$1,720	$5	Trade-offs (deal attractiveness, negotiation difficulty)
21%	$1,699	−$14	Deal-breaker (deal attractiveness)
22%	$1,677	−$34	Deal-breaker (deal attractiveness)
23%	$1,656	−$53	Deal-breaker (deal attractiveness)
24%	$1,634	−$73	Deal-breaker (deal attractiveness)
25%	$1,613	−$92	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 $158 to $237 a month here.

Repairs reserve

That’s about $99 a month.

Big replacements reserve

That’s about $99 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: $237 a month.

Show as a table

Line	Per month	Share of rent
Empty months (vacancy)	$172	8%
Repairs and big replacements	$198	9%
Loan payment, taxes, insurance and HOA	$1,543	72%
Cash flow	$237	11%

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 5.11% instead of 6.23%.

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	$45,640	$237	6.23%	1.39	Trade-offs (negotiation difficulty)
$5,000	$50,640	$237	5.62%	1.39	Trade-offs (negotiation difficulty)
$10,000	$55,640	$237	5.11%	1.39	Trade-offs (negotiation difficulty)
$15,000	$60,640	$237	4.69%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$20,000	$65,640	$237	4.33%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$25,000	$70,640	$237	4.03%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$30,000	$75,640	$237	3.76%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$35,000	$80,640	$237	3.53%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$40,000	$85,640	$237	3.32%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$45,000	$90,640	$237	3.14%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$50,000	$95,640	$237	2.97%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$55,000	$100,640	$237	2.83%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$60,000	$105,640	$237	2.69%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$65,000	$110,640	$237	2.57%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$70,000	$115,640	$237	2.46%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$75,000	$120,640	$237	2.36%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$80,000	$125,640	$237	2.26%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$85,000	$130,640	$237	2.18%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$90,000	$135,640	$237	2.1%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$95,000	$140,640	$237	2.02%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
$100,000	$145,640	$237	1.95%	1.39	Trade-offs (deal attractiveness, negotiation difficulty)

Does the rent cover the loan?

At the starting price of $163,000 with 25% down, the rent of $2,150 a month covers the monthly payment 1.39 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	$122,250 loan at 7.240% over 30 years, at our estimated rate.	$833
Property taxes	Your tax rate as an investor on $265,874, with no exemptions. See the tax details below.	$499
Insurance	Our middle estimate. See the insurance details below.	$211
HOA dues	None found.	$0
Total (PITIA)		$1,543

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) = $163,000 × (1 − 25%) = $122,250, a of 75%
Loan payment (principal and interest): $122,250 at 7.240%, paid off evenly over 30 years = $833 a month
Full monthly payment (PITIA): $833 + taxes $499 + insurance $211 + HOA $0 = $1,543
DSCR: rent ÷ payment = $2,150 ÷ $1,543 = 1.39 (the full rent, nothing off for empty months, as lenders count it)
Rent you actually collect: rent × (1 − vacancy) = $2,150 × (1 − 8%) = $1,978
Set aside each month: $1,978 × (0% management + 5% repairs + 5% big replacements) = $198
Monthly cash flow: $1,978 − $198 − $1,543 = $237
Cash to close: down payment $40,750 + closing costs 3% ($4,890) + renovation $10,000 = $55,640
Cash-on-cash return: 12 × $237 ÷ $55,640 = 5.11% a year

Local details behind the numbers

Your property taxes as an investor

About $5,987 a year ($499 a month) on a taxable value of $265,874 (the county’s market value, which is higher than the starting price of $163,000)

2.25% a year ($2.2518 per $100, 2026 rates, with some districts still on last year’s rate)

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 ($259,303) times this home’s rates comes to about $0, after their exemptions. You’d pay about $5,987, which is $5,987 more.

Why yours is likely higher:

The seller gets a homestead exemption for living there, which lowers their taxable value. A rental doesn’t get it.
The seller has another tax break, like one for veterans. You won’t get it as an investor.
The county could raise the seller’s taxable value only 10% a year, so it sits below market. The cap ends when they sell.

The and its stay with the seller.

Every local government that taxes this home
Taxing district	Kind	Rate per $100	Per year
SPRING BRANCH ISD	School district	1.0563 (2026)	$2,808
HARRIS COUNTY	County	0.4175 (2026)	$1,110
HARRIS CO FLOOD CNTRL	Flood control	0.0527 (2026)	$140
PORT OF HOUSTON AUTHY	Port authority	0.0060 (2026)	$16
HARRIS CO HOSP DIST	Hospital district	0.1953 (2026)	$519
HARRIS CO EDUC DEPT	County education department	0.0048 (2025)	$13
CITY OF HOUSTON	City	0.5192 (2026)	$1,380
Total		2.2518	$5,987

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 0811060000015 (3917 WILLOW SPRINGS, HOUSTON, 77080), from Harris County’s Truth-in-Taxation record, read Oct 14, 2026. Exemptions on record: totally exempt, residential homestead (multiple). This is our estimate. Check it against the seller’s tax statement.

What it could rent for

About $2,150/month likely $1,950 to $2,350

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 0.4 miles away, renting for $1,700 to $2,400 (the middle one: $2,200). 5 of them were on the market in the last 90 days.

They rent for about $1.45 per square foot. At this home’s size, that’s about $2,130/month.

How long nearby rentals took to lease

About 25 days (the middle of the rentals that left the market).

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 1.32% of the price each month, so the price is about 6.3 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 · 1 baths · 1,470 sq ft, from the home’s details.

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
3611 Galway Ln	3 / 1.5	1,559	$2,100	$1.35	0.3 mi	Left after 271 days · seen May 27, 2026
9207 Colleen Rd	3 / 1.5	1,385	$2,000	$1.44	0.4 mi	Left after 49 days · seen Sep 11, 2026
2320 Peppermill Rd	3 / 1.5	1,500	$1,700	$1.13	1 mi	Left after 284 days · seen Feb 6, 2026
4014 Willow Springs Ln	3 / 2	1,492	$2,350	$1.58	0.1 mi	Left after 51 days · seen Apr 27, 2026
9250 Rockhurst Dr	3 / 2	1,462	$2,050	$1.40	0.4 mi	Left after 17 days · seen May 29, 2026
9238 Rockhurst Dr	3 / 2	1,462	$2,050	$1.40	0.4 mi	Left after 74 days · seen Aug 25, 2026
9231 Friendship Rd	3 / 2	1,470	$2,100	$1.43	0.7 mi	Left after 20 days · seen Mar 23, 2026
9347 Colleen Rd	3 / 2	1,420	$2,250	$1.58	0.3 mi	Left after 25 days · seen Oct 6, 2026
9270 Theysen Dr	3 / 2	1,422	$1,800	$1.27	0.3 mi	Left after 2 days · seen Jul 30, 2026
9406 Autauga St	3 / 2	1,401	$2,400	$1.71	0.2 mi	Left after 22 days · seen Jun 22, 2026
8931 Blankenship Dr	3 / 2	1,492	$2,400	$1.61	0.7 mi	Left after 28 days · seen Jun 8, 2026
9602 Lawngate Dr	3 / 2	1,520	$2,200	$1.45	0.4 mi	Left after 20 days · seen Jan 31, 2026
9631 Philmont Dr	3 / 2	1,530	$2,250	$1.47	0.5 mi	Left after 157 days · seen Mar 22, 2026
2515 Valleyfield Dr	3 / 2	1,500	$2,200	$1.47	0.9 mi	Left after 70 days · seen Mar 14, 2026
9531 Weatherwood Dr	3 / 2	1,445	$2,400	$1.66	1 mi	Left after 13 days · seen Aug 7, 2026

RentCast’s rent estimate, read Oct 14, 2026.

Insurance you’ll need as a landlord

About $1,900 to $3,166 a year

$211 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 (1,470 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	$2,533	1,470 sq ft × $175 a sq ft to rebuild = $257,250 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)	$963	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	$2,533	Range $1,900 to $3,166

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 $5,145 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 14, 2026. Get a real landlord policy quote before you make an offer.

What it’s worth

Asking price: $250,000
: $246,600
: $265,874 for 2026

An automated estimate, nudged a little toward the county’s value, read Oct 14, 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 ($163,000). 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

Sale pending at $250,000. Another buyer has an accepted offer, but deals sometimes fall through.

See the home’s details

Property type: Single-family home
Bedrooms / bathrooms: 3 / 1
Living area: 1,470 sq ft
Lot: 9,335 sq ft
Year built: 1957
: $0/month
Days on the market: 7

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

Home details read Oct 14, 2026. They can be out of date or wrong, so confirm them with the agent or seller.

Before you rely on these numbers

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 79f2zny79y · created Oct 14, 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.

More Greater Houston reports

3422 Ledgestone Dr, Houston, TX 77059 updated Nov 4, 2026
5846 Ettrick Dr, Houston, TX 77035 updated Nov 3, 2026
2963 Shadow Trail Dr, Houston, TX 77082 updated Nov 1, 2026
11306 Brook Meadow Cir, Houston, TX 77089 updated Oct 30, 2026
2934 Ashford Trail Dr, Houston, TX 77082 updated Oct 29, 2026

See all reports

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

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 every report

Talk it through before you make an offer.

About this report

More Greater Houston reports