DSCR Snapshot

5411 Gibson St Houston, TX 77007

This is an estimate, not a loan approval.

Single-family home · 3 bd · 3.5 ba · 3,458 sq ft · built 2013 Address as you typed it, matched on the U.S. Census Bureau’s map Oct 29, 2026.

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At a glance

Your numbers: $375,000 price · 25% down · $3,860 a month rent · 7.915% rate · 8% vacancy · $10,000 renovation in cash Change the numbers

Rent coverage ()

0.96

The rent doesn’t cover the payment

Monthly cash flow

−$801

You’d add money each month

$115,000

25% down, closing costs and renovation

−8.36%

A year, on the cash you bring

A deal-breaker: the deal loses money each month, fewer lenders would make this loan and 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

Weak

Deal attractiveness

0/100

Your would be −8.4%. You’d lose money on the cash you put in, so it scores 0.

Negative cash flow at these numbers

Tough terms

Loan health

32/100

A few lenders would likely make this loan. The weak spot is down payment (25%).

When the rent doesn’t cover the payment, most DSCR lenders cap the loan at 70% of the price. At 25% down, only a few lenders would likely make this loan. Putting 30% down opens it to most lenders. So does a price or rent where the rent covers the payment.

Why this score

How good the loan terms would likely be, and how many lenders would make this loan:

Rent coverage
0.96× okay
Credit score
720 strong
Down payment The loan is 75% of your price.
25% weak
Lenders likely to say yes
a few

Hard

Negotiation difficulty

85/100

Your price is 50% under the asking price. Getting a seller to agree would be hard, unless the home needs major work.

For the rent to cover the payment 1.2 times, the price would need to be about $250,000, 67% under the asking price. That would be close to impossible to get.

Why this score

This seller may come down about 9%: listed 86 days, priced over the estimated home value, the seller sounds open to offers.

Data quality: Fair Before you rely on these numbers

Our take

At the starting numbers this home is not a good fit for a DSCR loan. You would put in $801 a month after vacancy and reserves so the return on your cash is weak. Fewer lenders would make this loan because the down payment is 25 percent. The rent covers the monthly payment only 0.96 times.

For the numbers to work the price would need to be about $250,000 which would be close to impossible to get. A rent of about $4,796 a month would also work but that is above the likely range. Putting 30 percent down would open the loan to most lenders. Property taxes take 38 percent of the gross rent which is high even for Greater Houston. Before you make an offer ask a local leasing agent what homes like this one have actually leased for.

Written by an AI model from the report’s starting numbers, then checked against them.

At $249,714 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
$375,000

Starts at half of the asking price ($749,000). No price down to half gets the rent to cover the payment 1.2 times with at least 5% a year on your cash. Now 50% under the asking price and 49% under the estimated home value.

  • This seller may come down only about 9%, so a price this low will be much harder to get.
  • The rent doesn’t cover the payment at this price, so most DSCR lenders want 30% down.
Rent coverage (DSCR) at each price
0.50×0.75×1.00×1.25×$400,000$600,000$800,0001.25 best rates1.20 most lenders want1.00 rent just covers itPrice for DSCR 1.2: $249,714Asking: $749,000

At this rent, a price of about $249,714 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
PriceDSCRPayment/moCash flow/moFit
$249,7141.20$3,217−$21Deal-breaker (deal attractiveness, negotiation difficulty)
$272,3481.15$3,331−$135Deal-breaker (deal attractiveness, negotiation difficulty)
$294,9821.12$3,446−$250Deal-breaker (deal attractiveness, negotiation difficulty)
$317,6161.07$3,602−$406Deal-breaker (deal attractiveness, negotiation difficulty)
$340,2501.03$3,719−$523Deal-breaker (deal attractiveness, negotiation difficulty)
$362,8841.00$3,837−$641Deal-breaker (deal attractiveness, negotiation difficulty)
$385,5180.95$4,054−$858Deal-breaker (deal attractiveness)
$408,1520.92$4,178−$982Deal-breaker (deal attractiveness)
$430,7860.89$4,301−$1,105Deal-breaker (deal attractiveness)
$453,4200.87$4,425−$1,229Deal-breaker (deal attractiveness)
$476,0540.84$4,549−$1,352Deal-breaker (deal attractiveness)
$498,6880.82$4,672−$1,476Deal-breaker (deal attractiveness)
$521,3210.80$4,796−$1,600Deal-breaker (deal attractiveness)
$543,9550.78$4,919−$1,723Deal-breaker (deal attractiveness)
$566,5890.76$5,043−$1,847Deal-breaker (deal attractiveness)
$589,2230.74$5,166−$1,970Deal-breaker (deal attractiveness, loan health)
$611,8570.72$5,290−$2,094Deal-breaker (deal attractiveness, loan health)
$634,4910.71$5,413−$2,217Deal-breaker (deal attractiveness, loan health)
$657,1250.69$5,537−$2,341Deal-breaker (deal attractiveness, loan health)
$679,7590.68$5,661−$2,464Deal-breaker (deal attractiveness, loan health)
$702,3930.66$5,784−$2,588Deal-breaker (deal attractiveness, loan health)
$725,0270.65$5,908−$2,712Deal-breaker (deal attractiveness, loan health)
$747,6610.64$6,031−$2,835Deal-breaker (deal attractiveness, loan health)
$770,2950.62$6,155−$2,959Deal-breaker (deal attractiveness, loan health)
$792,9290.61$6,278−$3,082Deal-breaker (deal attractiveness, loan health)
$815,5630.60$6,402−$3,206Deal-breaker (deal attractiveness, loan health)
$838,1960.58$6,564−$3,368Deal-breaker (deal attractiveness, loan health)
$860,8300.57$6,728−$3,532Deal-breaker (deal attractiveness, loan health)
$883,4640.56$6,892−$3,696Deal-breaker (deal attractiveness, loan health)
$906,0980.54$7,056−$3,860Deal-breaker (deal attractiveness, loan health)
$928,7320.53$7,220−$4,024Deal-breaker (deal attractiveness, loan health)
$951,3660.52$7,384−$4,188Deal-breaker (deal attractiveness, loan health)
$974,0000.51$7,547−$4,351Deal-breaker (deal attractiveness, loan health)
25%

That’s $93,750 at this price.

  • At this down payment, only a few lenders would make this loan. 30% down opens it to most.
  • At 30% down the loan moves to a lower rate tier, about 0.125% less.
Cash to close
$0$100,000$200,000$300,00020%30%40%50%Most lenders: 30%+
Show as a table
Down paymentCash to closeCash flow/moDSCRFit
15%$77,500−$1,1290.89Deal-breaker (deal attractiveness, loan health)
16%$81,250−$1,1010.89Deal-breaker (deal attractiveness, loan health)
17%$85,000−$1,0730.90Deal-breaker (deal attractiveness, loan health)
18%$88,750−$1,0460.91Deal-breaker (deal attractiveness, loan health)
19%$92,500−$1,0180.91Deal-breaker (deal attractiveness, loan health)
20%$96,250−$9900.92Deal-breaker (deal attractiveness)
21%$100,000−$9620.92Deal-breaker (deal attractiveness)
22%$103,750−$9340.93Deal-breaker (deal attractiveness)
23%$107,500−$9060.94Deal-breaker (deal attractiveness)
24%$111,250−$8780.94Deal-breaker (deal attractiveness)
25%$115,000−$8010.96Deal-breaker (deal attractiveness)
26%$118,750−$7740.97Deal-breaker (deal attractiveness)
27%$122,500−$6521.00Deal-breaker (deal attractiveness)
28%$126,250−$6261.00Deal-breaker (deal attractiveness)
29%$130,000−$6001.01Deal-breaker (deal attractiveness)
30%$133,750−$5521.02Deal-breaker (deal attractiveness)
31%$137,500−$5261.03Deal-breaker (deal attractiveness)
32%$141,250−$5001.04Deal-breaker (deal attractiveness)
33%$145,000−$4751.05Deal-breaker (deal attractiveness)
34%$148,750−$4491.05Deal-breaker (deal attractiveness)
35%$152,500−$4031.07Deal-breaker (deal attractiveness)
36%$156,250−$3771.08Deal-breaker (deal attractiveness)
37%$160,000−$3121.10Deal-breaker (deal attractiveness)
38%$163,750−$2871.10Deal-breaker (deal attractiveness)
39%$167,500−$2631.11Deal-breaker (deal attractiveness)
40%$171,250−$2381.12Deal-breaker (deal attractiveness)
41%$175,000−$2131.13Deal-breaker (deal attractiveness)
42%$178,750−$1881.14Deal-breaker (deal attractiveness)
43%$182,500−$1641.14Deal-breaker (deal attractiveness)
44%$186,250−$1391.15Deal-breaker (deal attractiveness)
45%$190,000−$1141.16Deal-breaker (deal attractiveness)
46%$193,750−$891.17Deal-breaker (deal attractiveness)
47%$197,500−$651.18Deal-breaker (deal attractiveness)
48%$201,250−$401.19Deal-breaker (deal attractiveness)
49%$205,000−$151.20Deal-breaker (deal attractiveness)
50%$208,750$101.21Trade-offs (deal attractiveness, negotiation difficulty)
Monthly cash flow
−$1,500−$1,000−$500$0$50020%30%40%50%$0 cash flowMost lenders: 30%+

For this home at this price and rent, most lenders want 30% down or more.

Show as a table
Down paymentCash to closeCash flow/moDSCRFit
15%$77,500−$1,1290.89Deal-breaker (deal attractiveness, loan health)
16%$81,250−$1,1010.89Deal-breaker (deal attractiveness, loan health)
17%$85,000−$1,0730.90Deal-breaker (deal attractiveness, loan health)
18%$88,750−$1,0460.91Deal-breaker (deal attractiveness, loan health)
19%$92,500−$1,0180.91Deal-breaker (deal attractiveness, loan health)
20%$96,250−$9900.92Deal-breaker (deal attractiveness)
21%$100,000−$9620.92Deal-breaker (deal attractiveness)
22%$103,750−$9340.93Deal-breaker (deal attractiveness)
23%$107,500−$9060.94Deal-breaker (deal attractiveness)
24%$111,250−$8780.94Deal-breaker (deal attractiveness)
25%$115,000−$8010.96Deal-breaker (deal attractiveness)
26%$118,750−$7740.97Deal-breaker (deal attractiveness)
27%$122,500−$6521.00Deal-breaker (deal attractiveness)
28%$126,250−$6261.00Deal-breaker (deal attractiveness)
29%$130,000−$6001.01Deal-breaker (deal attractiveness)
30%$133,750−$5521.02Deal-breaker (deal attractiveness)
31%$137,500−$5261.03Deal-breaker (deal attractiveness)
32%$141,250−$5001.04Deal-breaker (deal attractiveness)
33%$145,000−$4751.05Deal-breaker (deal attractiveness)
34%$148,750−$4491.05Deal-breaker (deal attractiveness)
35%$152,500−$4031.07Deal-breaker (deal attractiveness)
36%$156,250−$3771.08Deal-breaker (deal attractiveness)
37%$160,000−$3121.10Deal-breaker (deal attractiveness)
38%$163,750−$2871.10Deal-breaker (deal attractiveness)
39%$167,500−$2631.11Deal-breaker (deal attractiveness)
40%$171,250−$2381.12Deal-breaker (deal attractiveness)
41%$175,000−$2131.13Deal-breaker (deal attractiveness)
42%$178,750−$1881.14Deal-breaker (deal attractiveness)
43%$182,500−$1641.14Deal-breaker (deal attractiveness)
44%$186,250−$1391.15Deal-breaker (deal attractiveness)
45%$190,000−$1141.16Deal-breaker (deal attractiveness)
46%$193,750−$891.17Deal-breaker (deal attractiveness)
47%$197,500−$651.18Deal-breaker (deal attractiveness)
48%$201,250−$401.19Deal-breaker (deal attractiveness)
49%$205,000−$151.20Deal-breaker (deal attractiveness)
50%$208,750$101.21Trade-offs (deal attractiveness, negotiation difficulty)
720
  • At 740, the estimated rate drops about 0.05%.
Estimated rate by credit score
7.80%8.00%8.20%8.40%650700750800
Show as a table
Credit scoreEstimated rateLoan payment/moDSCRFit
6208.31%$2,1260.94Deal-breaker (deal attractiveness, loan health)
6308.31%$2,1260.94Deal-breaker (deal attractiveness, loan health)
6408.31%$2,1260.94Deal-breaker (deal attractiveness, loan health)
6508.31%$2,1260.94Deal-breaker (deal attractiveness, loan health)
6608.31%$2,1260.94Deal-breaker (deal attractiveness)
6708.31%$2,1260.94Deal-breaker (deal attractiveness)
6808.06%$2,0760.95Deal-breaker (deal attractiveness)
6908.06%$2,0760.95Deal-breaker (deal attractiveness)
7007.96%$2,0570.96Deal-breaker (deal attractiveness)
7107.96%$2,0570.96Deal-breaker (deal attractiveness)
7207.92%$2,0470.96Deal-breaker (deal attractiveness)
7307.92%$2,0470.96Deal-breaker (deal attractiveness)
7407.87%$2,0370.96Deal-breaker (deal attractiveness)
7507.87%$2,0370.96Deal-breaker (deal attractiveness)
7607.81%$2,0280.97Deal-breaker (deal attractiveness)
7707.81%$2,0280.97Deal-breaker (deal attractiveness)
7807.81%$2,0280.97Deal-breaker (deal attractiveness)
7907.81%$2,0280.97Deal-breaker (deal attractiveness)
8007.81%$2,0280.97Deal-breaker (deal attractiveness)
8107.81%$2,0280.97Deal-breaker (deal attractiveness)
8207.81%$2,0280.97Deal-breaker (deal attractiveness)
7.915%

Our estimate: 7.915%.

  • Our estimate adds 0.875% because the rent covers the payment less than 1.25 times.
  • The rent would cover the payment at a rate under about 7.206%.
Monthly cash flow at each rate
−$2,000−$1,500−$1,000−$500$06.00%8.00%10.00%12.00%$0 cash flow
Show as a table
RateLoan payment/moDSCRCash flow/moFit
5.00%$1,5101.11−$264Deal-breaker (deal attractiveness)
5.25%$1,5531.10−$307Deal-breaker (deal attractiveness)
5.50%$1,5971.08−$351Deal-breaker (deal attractiveness)
5.75%$1,6411.07−$395Deal-breaker (deal attractiveness)
6.00%$1,6861.06−$440Deal-breaker (deal attractiveness)
6.25%$1,7321.04−$485Deal-breaker (deal attractiveness)
6.50%$1,7781.03−$531Deal-breaker (deal attractiveness)
6.75%$1,8241.02−$578Deal-breaker (deal attractiveness)
7.00%$1,8711.01−$625Deal-breaker (deal attractiveness)
7.25%$1,9190.99−$672Deal-breaker (deal attractiveness)
7.50%$1,9670.98−$720Deal-breaker (deal attractiveness)
7.75%$2,0150.97−$769Deal-breaker (deal attractiveness)
8.00%$2,0640.96−$817Deal-breaker (deal attractiveness)
8.25%$2,1130.95−$867Deal-breaker (deal attractiveness)
8.50%$2,1630.93−$916Deal-breaker (deal attractiveness)
8.75%$2,2130.92−$966Deal-breaker (deal attractiveness)
9.00%$2,2630.91−$1,017Deal-breaker (deal attractiveness)
9.25%$2,3140.90−$1,068Deal-breaker (deal attractiveness)
9.50%$2,3650.89−$1,119Deal-breaker (deal attractiveness)
9.75%$2,4160.88−$1,170Deal-breaker (deal attractiveness)
10.00%$2,4680.87−$1,222Deal-breaker (deal attractiveness)
10.25%$2,5200.86−$1,274Deal-breaker (deal attractiveness)
10.50%$2,5730.85−$1,326Deal-breaker (deal attractiveness)
10.75%$2,6250.84−$1,379Deal-breaker (deal attractiveness)
11.00%$2,6780.83−$1,432Deal-breaker (deal attractiveness)
11.25%$2,7320.82−$1,485Deal-breaker (deal attractiveness)
11.50%$2,7850.81−$1,539Deal-breaker (deal attractiveness)
11.75%$2,8390.80−$1,593Deal-breaker (deal attractiveness)
12.00%$2,8930.79−$1,647Deal-breaker (deal attractiveness)
$3,860

Starts at RentCast’s estimate from nearby rentals.

  • Inside the likely range of $3,220 to $4,510.
Monthly cash flow at each rent
Likely range (85%)−$2,000−$1,000$0$1,000$3,000$3,500$4,000$4,500$5,000$0 cash flowRent for DSCR 1.2: $4,796

At this price, a rent of about $4,796 would reach DSCR 1.2.

Show as a table
RentDSCRCash flow/moCash-on-cashFit
$2,7000.67−$1,761−18.38%Deal-breaker (deal attractiveness, loan health)
$2,7730.69−$1,701−17.75%Deal-breaker (deal attractiveness, loan health)
$2,8450.71−$1,641−17.12%Deal-breaker (deal attractiveness, loan health)
$2,9180.73−$1,581−16.5%Deal-breaker (deal attractiveness, loan health)
$2,9910.74−$1,521−15.87%Deal-breaker (deal attractiveness, loan health)
$3,0630.76−$1,461−15.24%Deal-breaker (deal attractiveness)
$3,1360.78−$1,400−14.61%Deal-breaker (deal attractiveness)
$3,2090.80−$1,340−13.98%Deal-breaker (deal attractiveness)
$3,2810.82−$1,280−13.36%Deal-breaker (deal attractiveness)
$3,3540.83−$1,220−12.73%Deal-breaker (deal attractiveness)
$3,4270.85−$1,160−12.1%Deal-breaker (deal attractiveness)
$3,4990.87−$1,100−11.47%Deal-breaker (deal attractiveness)
$3,5720.89−$1,039−10.85%Deal-breaker (deal attractiveness)
$3,6450.91−$979−10.22%Deal-breaker (deal attractiveness)
$3,7170.93−$919−9.59%Deal-breaker (deal attractiveness)
$3,7900.94−$859−8.96%Deal-breaker (deal attractiveness)
$3,8630.96−$799−8.33%Deal-breaker (deal attractiveness)
$3,9351.00−$642−6.7%Deal-breaker (deal attractiveness)
$4,0081.02−$582−6.07%Deal-breaker (deal attractiveness)
$4,0801.04−$521−5.44%Deal-breaker (deal attractiveness)
$4,1531.06−$461−4.81%Deal-breaker (deal attractiveness)
$4,2261.08−$401−4.19%Deal-breaker (deal attractiveness)
$4,2981.11−$293−3.06%Deal-breaker (deal attractiveness)
$4,3711.13−$233−2.43%Deal-breaker (deal attractiveness)
$4,4441.15−$173−1.8%Deal-breaker (deal attractiveness)
$4,5161.17−$113−1.18%Deal-breaker (deal attractiveness)
$4,5891.19−$53−0.55%Deal-breaker (deal attractiveness)
$4,6621.21$80.08%Trade-offs (deal attractiveness, negotiation difficulty)
$4,7341.22$680.71%Trade-offs (deal attractiveness, negotiation difficulty)
$4,8071.25$1521.58%Trade-offs (deal attractiveness, negotiation difficulty)
$4,8801.27$2122.21%Trade-offs (deal attractiveness, negotiation difficulty)
$4,9521.29$2722.84%Trade-offs (deal attractiveness, negotiation difficulty)
$5,0251.31$3323.47%Trade-offs (deal attractiveness, negotiation difficulty)
8%
  • That’s about 1 month empty a year, or $3,700 of rent you don’t collect.
Monthly cash flow at each vacancy rate
−$1,500−$1,000−$500$00%5%10%15%20%25%$0 cash flow

Each point of vacancy is about $463 a year of rent you don’t collect.

Show as a table
VacancyRent collected/moCash flow/moFit
0%$3,860−$523Deal-breaker (deal attractiveness)
1%$3,821−$558Deal-breaker (deal attractiveness)
2%$3,783−$592Deal-breaker (deal attractiveness)
3%$3,744−$627Deal-breaker (deal attractiveness)
4%$3,706−$662Deal-breaker (deal attractiveness)
5%$3,667−$697Deal-breaker (deal attractiveness)
6%$3,628−$731Deal-breaker (deal attractiveness)
7%$3,590−$766Deal-breaker (deal attractiveness)
8%$3,551−$801Deal-breaker (deal attractiveness)
9%$3,513−$836Deal-breaker (deal attractiveness)
10%$3,474−$870Deal-breaker (deal attractiveness)
11%$3,435−$905Deal-breaker (deal attractiveness)
12%$3,397−$940Deal-breaker (deal attractiveness)
13%$3,358−$975Deal-breaker (deal attractiveness)
14%$3,320−$1,009Deal-breaker (deal attractiveness)
15%$3,281−$1,044Deal-breaker (deal attractiveness)
16%$3,242−$1,079Deal-breaker (deal attractiveness)
17%$3,204−$1,113Deal-breaker (deal attractiveness)
18%$3,165−$1,148Deal-breaker (deal attractiveness)
19%$3,127−$1,183Deal-breaker (deal attractiveness)
20%$3,088−$1,218Deal-breaker (deal attractiveness)
21%$3,049−$1,252Deal-breaker (deal attractiveness)
22%$3,011−$1,287Deal-breaker (deal attractiveness)
23%$2,972−$1,322Deal-breaker (deal attractiveness)
24%$2,934−$1,357Deal-breaker (deal attractiveness)
25%$2,895−$1,391Deal-breaker (deal attractiveness)
More assumptions: management, set-asides and renovation
0%

That’s about $0 a month.

  • You’d manage it yourself. A manager would cost about $284 to $426 a month here.
5%

That’s about $178 a month.

5%

That’s about $178 a month.

Where each month’s rent goes
$3,997rent $3,860$0
  • Set aside: empty months, repairs
  • Loan payment, taxes, insurance and HOA
  • Shortfall you’d add

The payment and set-asides add up to more than the rent, so you’d add about $801 a month.

Show as a table
LinePer monthShare of rent
Empty months (vacancy)$3098%
Repairs and big replacements$3559%
Loan payment, taxes, insurance and HOA$3,997104%
Shortfall you’d add−$801-21%
$10,000
How you’ll pay for it

It’s part of your cash to close.

  • That adds $10,000 to your cash to close.
Cash-on-cash return at each renovation budget
−10%−7.5%−5%−2.5%0%$0$20,000$40,000$60,000$80,000$100,0000% return

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
RenovationCash to closeCash flow/moCash-on-cashDSCRFit
$0$105,000−$801−9.15%0.96Deal-breaker (deal attractiveness)
$5,000$110,000−$801−8.74%0.96Deal-breaker (deal attractiveness)
$10,000$115,000−$801−8.36%0.96Deal-breaker (deal attractiveness)
$15,000$120,000−$801−8.01%0.96Deal-breaker (deal attractiveness)
$20,000$125,000−$801−7.69%0.96Deal-breaker (deal attractiveness)
$25,000$130,000−$801−7.39%0.96Deal-breaker (deal attractiveness)
$30,000$135,000−$801−7.12%0.96Deal-breaker (deal attractiveness)
$35,000$140,000−$801−6.86%0.96Deal-breaker (deal attractiveness)
$40,000$145,000−$801−6.63%0.96Deal-breaker (deal attractiveness)
$45,000$150,000−$801−6.41%0.96Deal-breaker (deal attractiveness)
$50,000$155,000−$801−6.2%0.96Deal-breaker (deal attractiveness)
$55,000$160,000−$801−6.01%0.96Deal-breaker (deal attractiveness)
$60,000$165,000−$801−5.82%0.96Deal-breaker (deal attractiveness)
$65,000$170,000−$801−5.65%0.96Deal-breaker (deal attractiveness)
$70,000$175,000−$801−5.49%0.96Deal-breaker (deal attractiveness)
$75,000$180,000−$801−5.34%0.96Deal-breaker (deal attractiveness)
$80,000$185,000−$801−5.19%0.96Deal-breaker (deal attractiveness)
$85,000$190,000−$801−5.06%0.96Deal-breaker (deal attractiveness)
$90,000$195,000−$801−4.93%0.96Deal-breaker (deal attractiveness)
$95,000$200,000−$801−4.8%0.96Deal-breaker (deal attractiveness)
$100,000$205,000−$801−4.69%0.96Deal-breaker (deal attractiveness)

Does the rent cover the loan?

At the starting price of $375,000 with 25% down, the rent of $3,860 a month covers the monthly payment 0.96 times. The rent doesn’t cover the monthly payment. Most lenders would want a lower price or more money down.

Monthly payment () at these numbers
What it pays forWhere the number comes fromPer month
Loan payment$281,250 loan at 7.915% over 30 years, at our estimated rate.$2,047
Property taxesYour tax rate as an investor on $816,339, with no exemptions. See the tax details below.$1,453
InsuranceOur middle estimate. See the insurance details below.$497
HOA duesNone found.$0
Total (PITIA)$3,997
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 rate6.690%
Credit score 720–739+0.100%
Loan of 75% of the price or less+0.250%
Loan size $150k++0.000%
Rent coverage 0.75–0.99+0.875%
Estimated rate7.915%
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

A price of about $249,714 at this rent (taxes stay at the county’s value, which is higher than that price), or a rent of about $4,796 a month at this price.

Most good DSCR deals are bought below the estimated value. Use this as the price to aim for when you make an offer. At about $227,183, it would reach 1.25.

Show me the math
Loan
price × (1 − down payment) = $375,000 × (1 − 25%) = $281,250, a of 75%
Loan payment (principal and interest)
$281,250 at 7.915%, paid off evenly over 30 years = $2,047 a month
Full monthly payment (PITIA)
$2,047 + taxes $1,453 + insurance $497 + HOA $0 = $3,997
DSCR
rent ÷ payment = $3,860 ÷ $3,997 = 0.96 (the full rent, nothing off for empty months, as lenders count it)
Rent you actually collect
rent × (1 − vacancy) = $3,860 × (1 − 8%) = $3,551
Set aside each month
$3,551 × (0% management + 5% repairs + 5% big replacements) = $355
Monthly cash flow
$3,551 − $355 − $3,997 = −$801
Cash to close
down payment $93,750 + closing costs 3% ($11,250) + renovation $10,000 = $115,000
Cash-on-cash return
12 × −$801 ÷ $115,000 = −8.36% a year

Local details behind the numbers

Your property taxes as an investor

About $17,440 a year ($1,453 a month) on a taxable value of $816,339 (the county’s market value, which is higher than the starting price of $375,000)

2.14% a year ($2.1364 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 ($874,580) times this home’s rates comes to about $18,587, before any exemptions, so their real bill is lower. You’d pay about $17,440, which is $1,147 less.

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 and its stay with the seller.

Every local government that taxes this home
Taxing districtKindRate per $100Per year
HOUSTON ISDSchool district0.8421$6,874
HARRIS COUNTYCounty0.4175$3,408
HARRIS CO FLOOD CNTRLFlood control0.0527$430
PORT OF HOUSTON AUTHYPort authority0.0060$49
HARRIS CO HOSP DISTHospital district0.1953$1,594
HARRIS CO EDUC DEPTCounty education department0.0048$39
HOUSTON CITY COLLEGECommunity college0.0988$807
CITY OF HOUSTONCity0.5192$4,238
Total2.1364$17,440

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 1337260010001 (5411 GIBSON, HOUSTON, 77007), from Harris County’s Truth-in-Taxation record, read Oct 29, 2026. Exemptions on record: homestead. This is our estimate. Check it against the seller’s tax statement.

What it could rent for

About $3,860/month likely $3,220 to $4,510

Fair A good starting point. Check it against a recent lease nearby. Why: the likely range is wide.

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.

$2,500$3,000$3,500$4,000$4,500$5,000$3,860$4,796 for DSCR 1.2
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 0.2 miles away, renting for $2,900 to $4,900 (the middle one: $3,700). 7 of them were on the market in the last 90 days.

They rent for about $1.35 per square foot. At this home’s size, that’s about $4,680/month.

How long nearby rentals took to lease

About 12 days (the middle of the rentals that left the market). 4 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.

Rent compared with the price

The rent is 1.03% of the price each month, so the price is about 8.1 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 · 3.5 baths · 3,458 sq ft, from the home’s details.

Last sale on record

Dec 3, 2013

Texas doesn’t make sale prices public, so the price isn’t on record.

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
RentalBeds / bathsSq ftRentPer sq ftDistanceOn the market
204 Knox St3 / 3.53,400$4,500$1.320.3 miLeft after 6 days · seen Jul 20, 2026
5326 Chandler St3 / 3.53,188$4,900$1.540.2 miLeft after 12 days · seen Sep 8, 2026
707 Knox St3 / 3.52,997$3,900$1.300.3 miStill listed after 22 days · seen Oct 29, 2026
5809 Feagan St3 / 3.52,733$3,700$1.350.2 miLeft after 15 days · seen Apr 16, 2026
5336 Chandler St3 / 3.52,670$4,500$1.690.2 miLeft after 6 days · seen Aug 10, 2026
5305 Lillian St, Unit B3 / 3.52,670$2,900$1.090.2 miLeft after 121 days · seen Sep 1, 2026
505 Reinicke St3 / 3.52,527$4,850$1.920.1 miLeft after 15 days · seen Mar 19, 2026
5706 Blossom St3 / 3.52,499$3,400$1.360.2 miLeft after 143 days · seen Mar 10, 2026
5515 Venice St3 / 3.52,504$3,950$1.580.3 miStill listed after 29 days · seen Oct 29, 2026
222 Knox St, Ste F3 / 3.52,514$2,900$1.150.3 miLeft after 11 days · seen Jul 10, 2026
602 Knox St3 / 3.52,494$3,750$1.500.2 miLeft after 10 days · seen Jun 22, 2026
818 Lester St3 / 3.52,483$3,100$1.250.3 miStill listed after 165 days · seen Oct 29, 2026
516 Asbury St3 / 3.52,452$3,650$1.490.1 miLeft after 9 days · seen May 31, 2026
5220 Lillian St3 / 3.52,481$3,250$1.310.3 miStill listed after 36 days · seen Oct 29, 2026
105 Detering St3 / 3.52,451$2,900$1.180.2 miLeft after 15 days · seen Feb 23, 2026

RentCast’s rent estimate, read Oct 29, 2026.

Insurance you’ll need as a landlord

About $4,469 to $7,448 a year

$497 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 (3,458 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
PolicyPer yearHow we estimated it
Home$5,9583,458 sq ft × $175 a sq ft to rebuild = $605,150 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)$1,202Not 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$5,958Range $4,469 to $7,448

Zone X (area of minimal flood hazard) is low risk on FEMA’s map. Flood insurance is optional, but many Greater Houston homes that flooded in Hurricane Harvey were outside the high-risk zones, so many landlords buy it anyway.

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 $12,103 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 29, 2026. Get a real landlord policy quote before you make an offer.

What it’s worth

Asking price
$749,000
$729,000
$816,339 for 2026
  • An automated estimate, nudged a little toward the county’s value, read Oct 29, 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 half the asking price or value ($375,000). 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 $749,000.

See the home’s details
Property type
Single-family home
Bedrooms / bathrooms
3 / 3.5
Living area
3,458 sq ft
Lot
2,749 sq ft
Year built
2013
$0/month
Days on the market
86

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

Home details read Oct 29, 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 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.

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.

New to this? Start with the Greater Houston DSCR Loan Guide.

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 yj5knyd6tk · created Oct 29, 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

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