---
title: "5846 Ettrick Dr, Houston, TX 77035: DSCR and rental numbers | DSCR Labs"
description: "Houston rental numbers: rent about $1,870 a month, DSCR 1.37 at 25% down, taxes 2.14% a year. A free Greater Houston DSCR Snapshot, updated Nov 3, 2026."
url: https://dscrlabs.com/calculator/tx/houston/5846-ettrick-dr-77035/kxe7f3xv
---

# 5846 Ettrick Dr, Houston, TX 77035

Not for sale right now. 3 bedrooms, 2 bathrooms, 1,441 sq ft, built 1960. Updated Nov 3, 2026.

## Summary

At the starting numbers this home is not a good fit for a DSCR loan. Getting this price would be close to impossible and the return on your cash is low. You would have about $186 a month left over after vacancy and reserves so the cash on cash return is 4.8% a year. Most lenders would still make the loan on good terms because the rent covers the monthly payment 1.37 times.

At your price the rent already covers the payment 1.2 times yet you would still need the seller to accept 50% under the estimated home value of $263,400 which is very unlikely since the home is not listed. The seller's tax bill of $3,299 is lower than an investor's estimated $5,683 a year because the homestead exemption does not transfer. 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 | $132,000 (half the asking price or value) |
| Down payment | 25% ($33,000) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.34% |
| Monthly payment (PITIA) | $1,362 |
| Principal and interest | $681 |
| Property taxes | $474 |
| Insurance | $207 |
| HOA dues | $0 |
| Rent (estimate) | $1,870 (likely $1,580 to $2,160, from 15 rentals) |
| DSCR | 1.37 (the rent covers the payment 1.37 times) |
| Monthly cash flow | $186 |
| Cash to close | $46,960 |
| Cash-on-cash return | 4.77% |

## Taxes

Combined tax rate 2.14% a year (2026 rates). It uses no homestead exemption, because that ends when a home sells.

## Flood and insurance

FEMA flood zone X. Insurance estimate: $1,862 to $3,104 a year.

## Before you rely on these numbers

- 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/5846-ettrick-dr-77035/kxe7f3xv

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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.