DSCR Snapshot

7319 Tall Pines Dr Houston, TX 77088

This is an estimate, not a loan approval.

Single-family home · 3 bd · 2 ba · 1,717 sq ft · built 1968 Address matched on the U.S. Census Bureau’s map Oct 15, 2026.

Updated Oct 15, 2026

This report is from Oct 15, 2026. Since then, the asking price, whether it’s still for sale, and rents nearby may have changed.

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At a glance

Your numbers: $123,000 price · 25% down · $1,950 a month rent · 7.34% rate · 8% vacancy · $10,000 renovation in cash Change the numbers

Rent coverage ()

1.29

1.25 or more gets lenders’ best pricing

Monthly cash flow

$104

$1,247 a year

$44,440

25% down, closing costs and renovation

2.81%

A year, on the cash you bring

Trade-offs: the return on your cash is low 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

18/100

Your would be 2.8%. Under 5% is a weak return. Safer investments like bonds can pay about that, and it may not beat inflation.

Good terms likely

Loan health

83/100

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: 1.29× 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

85/100

Your price is 50% 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

This seller may come down about 7%: listed 63 days, priced over the estimated home value, the seller sounds open to offers.

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. The return on your cash is low at 2.8% a year, and getting this price would be hard. You would put in about $44,400 to close and fix up the home. The rent covers the monthly payment 1.29 times, which is comfortably above what most lenders like to see.

At your price, the rent already covers the payment 1.2 times. Rents in Greater Houston have been flat, so the numbers assume 8% vacancy and no rent growth. The home is in a FEMA high-risk flood zone, which means the lender requires flood insurance. 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 $123,000

Starts at half of the asking price ($245,890). 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 7%, 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 $143,371 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
$98,000	1.40	$1,387	$228	Deal-breaker (loan health, negotiation difficulty)
$104,938	1.37	$1,417	$197	Deal-breaker (negotiation difficulty)
$111,875	1.34	$1,453	$161	Deal-breaker (negotiation difficulty)
$118,813	1.30	$1,489	$126	Deal-breaker (negotiation difficulty)
$125,750	1.27	$1,525	$90	Trade-offs (deal attractiveness, negotiation difficulty)
$132,688	1.24	$1,569	$45	Trade-offs (deal attractiveness, negotiation difficulty)
$139,625	1.22	$1,598	$16	Trade-offs (deal attractiveness, negotiation difficulty)
$146,563	1.19	$1,634	−$20	Deal-breaker (deal attractiveness)
$153,500	1.16	$1,670	−$55	Deal-breaker (deal attractiveness)
$160,438	1.14	$1,706	−$91	Deal-breaker (deal attractiveness)
$167,375	1.12	$1,733	−$119	Deal-breaker (deal attractiveness)
$174,313	1.10	$1,769	−$154	Deal-breaker (deal attractiveness)
$181,250	1.06	$1,828	−$213	Deal-breaker (deal attractiveness)
$188,188	1.04	$1,864	−$249	Deal-breaker (deal attractiveness)
$195,125	1.02	$1,900	−$286	Deal-breaker (deal attractiveness)
$202,063	1.01	$1,927	−$312	Deal-breaker (deal attractiveness)
$209,000	0.96	$2,017	−$402	Deal-breaker (deal attractiveness)
$215,938	0.94	$2,054	−$440	Deal-breaker (deal attractiveness)
$222,875	0.93	$2,092	−$478	Deal-breaker (deal attractiveness)
$229,813	0.91	$2,130	−$516	Deal-breaker (deal attractiveness)
$236,750	0.89	$2,168	−$554	Deal-breaker (deal attractiveness)
$243,688	0.88	$2,206	−$591	Deal-breaker (deal attractiveness)
$250,625	0.86	$2,251	−$636	Deal-breaker (deal attractiveness)
$257,563	0.84	$2,302	−$687	Deal-breaker (deal attractiveness)
$264,500	0.82	$2,353	−$739	Deal-breaker (deal attractiveness)
$271,438	0.81	$2,405	−$790	Deal-breaker (deal attractiveness)
$278,375	0.79	$2,456	−$841	Deal-breaker (deal attractiveness)
$285,313	0.77	$2,507	−$892	Deal-breaker (deal attractiveness)
$292,250	0.76	$2,558	−$944	Deal-breaker (deal attractiveness)
$299,188	0.74	$2,610	−$995	Deal-breaker (deal attractiveness, loan health)
$306,125	0.73	$2,661	−$1,046	Deal-breaker (deal attractiveness, loan health)
$313,063	0.71	$2,712	−$1,097	Deal-breaker (deal attractiveness, loan health)
$320,000	0.70	$2,763	−$1,149	Deal-breaker (deal attractiveness, loan health)

Down payment

25%

That’s $30,750 at this price.

At 30% down the loan moves to a lower rate tier, about 0.125% less.
Each extra 5% down adds about $6,200 to the cash you bring and $50 a month to cash flow.

Cash to close

Show as a table

Down payment	Cash to close	Cash flow/mo	DSCR	Fit
15%	$32,140	−$0	1.20	Deal-breaker (deal attractiveness, loan health)
16%	$33,370	$8	1.21	Deal-breaker (loan health)
17%	$34,600	$17	1.22	Deal-breaker (loan health)
18%	$35,830	$26	1.22	Deal-breaker (loan health)
19%	$37,060	$28	1.22	Deal-breaker (loan health)
20%	$38,290	$36	1.23	Trade-offs (deal attractiveness, negotiation difficulty)
21%	$39,520	$45	1.24	Trade-offs (deal attractiveness, negotiation difficulty)
22%	$40,750	$62	1.25	Trade-offs (deal attractiveness, negotiation difficulty)
23%	$41,980	$71	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
24%	$43,210	$79	1.27	Trade-offs (deal attractiveness, negotiation difficulty)
25%	$44,440	$104	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
26%	$45,670	$112	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
27%	$46,900	$121	1.30	Trade-offs (deal attractiveness, negotiation difficulty)
28%	$48,130	$129	1.31	Trade-offs (deal attractiveness, negotiation difficulty)
29%	$49,360	$138	1.32	Trade-offs (deal attractiveness, negotiation difficulty)
30%	$50,590	$154	1.33	Trade-offs (deal attractiveness, negotiation difficulty)
31%	$51,820	$162	1.34	Trade-offs (deal attractiveness, negotiation difficulty)
32%	$53,050	$170	1.35	Trade-offs (deal attractiveness, negotiation difficulty)
33%	$54,280	$179	1.35	Trade-offs (deal attractiveness, negotiation difficulty)
34%	$55,510	$187	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
35%	$56,740	$202	1.38	Trade-offs (deal attractiveness, negotiation difficulty)
36%	$57,970	$210	1.38	Trade-offs (deal attractiveness, negotiation difficulty)
37%	$59,200	$219	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
38%	$60,430	$227	1.40	Trade-offs (deal attractiveness, negotiation difficulty)
39%	$61,660	$235	1.41	Trade-offs (deal attractiveness, negotiation difficulty)
40%	$62,890	$238	1.41	Deal-breaker (loan health)
41%	$64,120	$247	1.42	Deal-breaker (loan health)
42%	$65,350	$255	1.43	Deal-breaker (loan health)
43%	$66,580	$263	1.44	Deal-breaker (loan health)
44%	$67,810	$272	1.45	Deal-breaker (loan health)
45%	$69,040	$280	1.46	Deal-breaker (loan health)
46%	$70,270	$288	1.47	Deal-breaker (loan health)
47%	$71,500	$297	1.47	Deal-breaker (loan health)
48%	$72,730	$305	1.48	Deal-breaker (loan health)
49%	$73,960	$314	1.49	Deal-breaker (loan health)
50%	$75,190	$322	1.50	Deal-breaker (loan health)

Monthly cash flow

Show as a table

Down payment	Cash to close	Cash flow/mo	DSCR	Fit
15%	$32,140	−$0	1.20	Deal-breaker (deal attractiveness, loan health)
16%	$33,370	$8	1.21	Deal-breaker (loan health)
17%	$34,600	$17	1.22	Deal-breaker (loan health)
18%	$35,830	$26	1.22	Deal-breaker (loan health)
19%	$37,060	$28	1.22	Deal-breaker (loan health)
20%	$38,290	$36	1.23	Trade-offs (deal attractiveness, negotiation difficulty)
21%	$39,520	$45	1.24	Trade-offs (deal attractiveness, negotiation difficulty)
22%	$40,750	$62	1.25	Trade-offs (deal attractiveness, negotiation difficulty)
23%	$41,980	$71	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
24%	$43,210	$79	1.27	Trade-offs (deal attractiveness, negotiation difficulty)
25%	$44,440	$104	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
26%	$45,670	$112	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
27%	$46,900	$121	1.30	Trade-offs (deal attractiveness, negotiation difficulty)
28%	$48,130	$129	1.31	Trade-offs (deal attractiveness, negotiation difficulty)
29%	$49,360	$138	1.32	Trade-offs (deal attractiveness, negotiation difficulty)
30%	$50,590	$154	1.33	Trade-offs (deal attractiveness, negotiation difficulty)
31%	$51,820	$162	1.34	Trade-offs (deal attractiveness, negotiation difficulty)
32%	$53,050	$170	1.35	Trade-offs (deal attractiveness, negotiation difficulty)
33%	$54,280	$179	1.35	Trade-offs (deal attractiveness, negotiation difficulty)
34%	$55,510	$187	1.36	Trade-offs (deal attractiveness, negotiation difficulty)
35%	$56,740	$202	1.38	Trade-offs (deal attractiveness, negotiation difficulty)
36%	$57,970	$210	1.38	Trade-offs (deal attractiveness, negotiation difficulty)
37%	$59,200	$219	1.39	Trade-offs (deal attractiveness, negotiation difficulty)
38%	$60,430	$227	1.40	Trade-offs (deal attractiveness, negotiation difficulty)
39%	$61,660	$235	1.41	Trade-offs (deal attractiveness, negotiation difficulty)
40%	$62,890	$238	1.41	Deal-breaker (loan health)
41%	$64,120	$247	1.42	Deal-breaker (loan health)
42%	$65,350	$255	1.43	Deal-breaker (loan health)
43%	$66,580	$263	1.44	Deal-breaker (loan health)
44%	$67,810	$272	1.45	Deal-breaker (loan health)
45%	$69,040	$280	1.46	Deal-breaker (loan health)
46%	$70,270	$288	1.47	Deal-breaker (loan health)
47%	$71,500	$297	1.47	Deal-breaker (loan health)
48%	$72,730	$305	1.48	Deal-breaker (loan health)
49%	$73,960	$314	1.49	Deal-breaker (loan health)
50%	$75,190	$322	1.50	Deal-breaker (loan health)

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	7.74%	$660	1.26	Deal-breaker (loan health)
630	7.74%	$660	1.26	Deal-breaker (loan health)
640	7.74%	$660	1.26	Deal-breaker (loan health)
650	7.74%	$660	1.26	Deal-breaker (loan health)
660	7.74%	$660	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
670	7.74%	$660	1.26	Trade-offs (deal attractiveness, negotiation difficulty)
680	7.49%	$644	1.28	Trade-offs (deal attractiveness, negotiation difficulty)
690	7.49%	$644	1.28	Trade-offs (deal attractiveness, negotiation difficulty)
700	7.39%	$638	1.28	Trade-offs (deal attractiveness, negotiation difficulty)
710	7.39%	$638	1.28	Trade-offs (deal attractiveness, negotiation difficulty)
720	7.34%	$635	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
730	7.34%	$635	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
740	7.29%	$632	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
750	7.29%	$632	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
760	7.24%	$629	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
770	7.24%	$629	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
780	7.24%	$629	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
790	7.24%	$629	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
800	7.24%	$629	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
810	7.24%	$629	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
820	7.24%	$629	1.29	Trade-offs (deal attractiveness, negotiation difficulty)

Set my own rate

Interest rate 7.34%

Our estimate: 7.340%.

Above about 13.743%, 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%	$495	1.42	$244	Trade-offs (negotiation difficulty)
5.25%	$509	1.40	$229	Trade-offs (negotiation difficulty)
5.50%	$524	1.39	$215	Trade-offs (negotiation difficulty)
5.75%	$538	1.37	$201	Trade-offs (negotiation difficulty)
6.00%	$553	1.36	$186	Trade-offs (negotiation difficulty)
6.25%	$568	1.35	$171	Trade-offs (deal attractiveness, negotiation difficulty)
6.50%	$583	1.33	$156	Trade-offs (deal attractiveness, negotiation difficulty)
6.75%	$598	1.32	$141	Trade-offs (deal attractiveness, negotiation difficulty)
7.00%	$614	1.30	$125	Trade-offs (deal attractiveness, negotiation difficulty)
7.25%	$629	1.29	$110	Trade-offs (deal attractiveness, negotiation difficulty)
7.50%	$645	1.28	$94	Trade-offs (deal attractiveness, negotiation difficulty)
7.75%	$661	1.26	$78	Trade-offs (deal attractiveness, negotiation difficulty)
8.00%	$677	1.25	$62	Trade-offs (deal attractiveness, negotiation difficulty)
8.25%	$693	1.24	$46	Trade-offs (deal attractiveness, negotiation difficulty)
8.50%	$709	1.23	$30	Trade-offs (deal attractiveness, negotiation difficulty)
8.75%	$726	1.21	$13	Trade-offs (deal attractiveness, negotiation difficulty)
9.00%	$742	1.20	−$3	Deal-breaker (deal attractiveness)
9.25%	$759	1.19	−$20	Deal-breaker (deal attractiveness)
9.50%	$776	1.18	−$37	Deal-breaker (deal attractiveness)
9.75%	$793	1.16	−$54	Deal-breaker (deal attractiveness)
10.00%	$810	1.15	−$71	Deal-breaker (deal attractiveness)
10.25%	$827	1.14	−$88	Deal-breaker (deal attractiveness)
10.50%	$844	1.13	−$105	Deal-breaker (deal attractiveness)
10.75%	$861	1.12	−$122	Deal-breaker (deal attractiveness)
11.00%	$879	1.11	−$140	Deal-breaker (deal attractiveness)
11.25%	$896	1.10	−$157	Deal-breaker (deal attractiveness)
11.50%	$914	1.08	−$175	Deal-breaker (deal attractiveness)
11.75%	$931	1.07	−$192	Deal-breaker (deal attractiveness)
12.00%	$949	1.06	−$210	Deal-breaker (deal attractiveness)

Monthly rent $1,950

Starts at RentCast’s estimate from nearby rentals.

Inside the likely range of $1,770 to $2,120.
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 $1,813 would reach DSCR 1.2.

Show as a table

Rent	DSCR	Cash flow/mo	Cash-on-cash	Fit
$1,375	0.87	−$428	−11.56%	Deal-breaker (deal attractiveness)
$1,411	0.90	−$398	−10.75%	Deal-breaker (deal attractiveness)
$1,447	0.92	−$368	−9.95%	Deal-breaker (deal attractiveness)
$1,483	0.94	−$339	−9.15%	Deal-breaker (deal attractiveness)
$1,519	0.96	−$309	−8.34%	Deal-breaker (deal attractiveness)
$1,555	1.01	−$247	−6.67%	Deal-breaker (deal attractiveness)
$1,591	1.03	−$217	−5.87%	Deal-breaker (deal attractiveness)
$1,627	1.06	−$188	−5.07%	Deal-breaker (deal attractiveness)
$1,663	1.08	−$158	−4.26%	Deal-breaker (deal attractiveness)
$1,698	1.11	−$112	−3.03%	Deal-breaker (deal attractiveness)
$1,734	1.14	−$82	−2.23%	Deal-breaker (deal attractiveness)
$1,770	1.16	−$53	−1.42%	Deal-breaker (deal attractiveness)
$1,806	1.18	−$23	−0.62%	Deal-breaker (deal attractiveness)
$1,842	1.21	$7	0.18%	Trade-offs (deal attractiveness, negotiation difficulty)
$1,878	1.23	$37	0.99%	Trade-offs (deal attractiveness, negotiation difficulty)
$1,914	1.26	$74	2%	Trade-offs (deal attractiveness, negotiation difficulty)
$1,950	1.29	$104	2.81%	Trade-offs (deal attractiveness, negotiation difficulty)
$1,986	1.31	$134	3.61%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,022	1.33	$163	4.41%	Trade-offs (deal attractiveness, negotiation difficulty)
$2,058	1.36	$193	5.22%	Trade-offs (negotiation difficulty)
$2,094	1.38	$223	6.02%	Trade-offs (negotiation difficulty)
$2,130	1.40	$253	6.82%	Trade-offs (negotiation difficulty)
$2,166	1.43	$282	7.63%	Trade-offs (negotiation difficulty)
$2,202	1.45	$312	8.43%	Trade-offs (negotiation difficulty)
$2,238	1.48	$342	9.23%	Trade-offs (negotiation difficulty)
$2,273	1.50	$372	10.04%	Trade-offs (negotiation difficulty)
$2,309	1.52	$401	10.84%	Trade-offs (negotiation difficulty)
$2,345	1.55	$431	11.64%	Trade-offs (negotiation difficulty)
$2,381	1.57	$461	12.45%	Trade-offs (negotiation difficulty)
$2,417	1.60	$491	13.25%	Trade-offs (negotiation difficulty)
$2,453	1.62	$521	14.06%	Trade-offs (negotiation difficulty)
$2,489	1.64	$550	14.86%	Trade-offs (negotiation difficulty)
$2,525	1.67	$580	15.66%	Trade-offs (negotiation difficulty)

Vacancy 8%

That’s about 1 month empty a year, or $1,900 of rent you don’t collect.

Monthly cash flow at each vacancy rate

Each point of vacancy is about $234 a year of rent you don’t collect.

Show as a table

Vacancy	Rent collected/mo	Cash flow/mo	Fit
0%	$1,950	$244	Trade-offs (negotiation difficulty)
1%	$1,931	$227	Trade-offs (negotiation difficulty)
2%	$1,911	$209	Trade-offs (negotiation difficulty)
3%	$1,892	$192	Trade-offs (negotiation difficulty)
4%	$1,872	$174	Trade-offs (deal attractiveness, negotiation difficulty)
5%	$1,853	$157	Trade-offs (deal attractiveness, negotiation difficulty)
6%	$1,833	$139	Trade-offs (deal attractiveness, negotiation difficulty)
7%	$1,814	$121	Trade-offs (deal attractiveness, negotiation difficulty)
8%	$1,794	$104	Trade-offs (deal attractiveness, negotiation difficulty)
9%	$1,775	$86	Trade-offs (deal attractiveness, negotiation difficulty)
10%	$1,755	$69	Trade-offs (deal attractiveness, negotiation difficulty)
11%	$1,736	$51	Trade-offs (deal attractiveness, negotiation difficulty)
12%	$1,716	$34	Trade-offs (deal attractiveness, negotiation difficulty)
13%	$1,697	$16	Trade-offs (deal attractiveness, negotiation difficulty)
14%	$1,677	−$1	Deal-breaker (deal attractiveness)
15%	$1,658	−$19	Deal-breaker (deal attractiveness)
16%	$1,638	−$36	Deal-breaker (deal attractiveness)
17%	$1,619	−$54	Deal-breaker (deal attractiveness)
18%	$1,599	−$72	Deal-breaker (deal attractiveness)
19%	$1,580	−$89	Deal-breaker (deal attractiveness)
20%	$1,560	−$107	Deal-breaker (deal attractiveness)
21%	$1,541	−$124	Deal-breaker (deal attractiveness)
22%	$1,521	−$142	Deal-breaker (deal attractiveness)
23%	$1,502	−$159	Deal-breaker (deal attractiveness)
24%	$1,482	−$177	Deal-breaker (deal attractiveness)
25%	$1,463	−$194	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 $144 to $215 a month here.

Repairs reserve

That’s about $90 a month.

Big replacements reserve

That’s about $90 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: $104 a month.

Show as a table

Line	Per month	Share of rent
Empty months (vacancy)	$156	8%
Repairs and big replacements	$179	9%
Loan payment, taxes, insurance and HOA	$1,511	77%
Cash flow	$104	5%

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 2.81% instead of 3.62%.

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	$34,440	$104	3.62%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$5,000	$39,440	$104	3.16%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$10,000	$44,440	$104	2.81%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$15,000	$49,440	$104	2.52%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$20,000	$54,440	$104	2.29%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$25,000	$59,440	$104	2.1%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$30,000	$64,440	$104	1.94%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$35,000	$69,440	$104	1.8%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$40,000	$74,440	$104	1.68%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$45,000	$79,440	$104	1.57%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$50,000	$84,440	$104	1.48%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$55,000	$89,440	$104	1.39%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$60,000	$94,440	$104	1.32%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$65,000	$99,440	$104	1.25%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$70,000	$104,440	$104	1.19%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$75,000	$109,440	$104	1.14%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$80,000	$114,440	$104	1.09%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$85,000	$119,440	$104	1.04%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$90,000	$124,440	$104	1%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$95,000	$129,440	$104	0.96%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)
$100,000	$134,440	$104	0.93%	1.29	Trade-offs (deal attractiveness, negotiation difficulty)

Does the rent cover the loan?

At the starting price of $123,000 with 25% down, the rent of $1,950 a month covers the monthly payment 1.29 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	$92,250 loan at 7.340% over 30 years, at our estimated rate.	$635
Property taxes	Your tax rate as an investor on $247,040, with no exemptions. See the tax details below.	$477
Insurance	Our middle estimate. It includes the flood policy a lender will require. See the insurance details below.	$372
HOA dues	From the home’s details.	$27
Total (PITIA)		$1,511

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 $75k–$100k	+0.300%
Rent coverage 1.25+	+0.000%
Estimated rate	7.340%

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) = $123,000 × (1 − 25%) = $92,250, a of 75%
Loan payment (principal and interest): $92,250 at 7.340%, paid off evenly over 30 years = $635 a month
Full monthly payment (PITIA): $635 + taxes $477 + insurance $372 + HOA $27 = $1,511
DSCR: rent ÷ payment = $1,950 ÷ $1,511 = 1.29 (the full rent, nothing off for empty months, as lenders count it)
Rent you actually collect: rent × (1 − vacancy) = $1,950 × (1 − 8%) = $1,794
Set aside each month: $1,794 × (0% management + 5% repairs + 5% big replacements) = $179
Monthly cash flow: $1,794 − $179 − $1,511 = $104
Cash to close: down payment $30,750 + closing costs 3% ($3,690) + renovation $10,000 = $44,440
Cash-on-cash return: 12 × $104 ÷ $44,440 = 2.81% a year

Local details behind the numbers

Your property taxes as an investor

About $5,721 a year ($477 a month) on a taxable value of $247,040 (the county’s market value, which is higher than the starting price of $123,000)

2.32% a year ($2.3157 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 ($247,040) times this home’s rates comes to about $5,653, before any exemptions, so their real bill is lower. You’d pay about $5,721, which is $68 more.

Every local government that taxes this home
Taxing district	Kind	Rate per $100	Per year
ALDINE ISD	School district	1.0144 (2026)	$2,506
HARRIS COUNTY	County	0.4175 (2026)	$1,031
HARRIS CO FLOOD CNTRL	Flood control	0.0527 (2026)	$130
PORT OF HOUSTON AUTHY	Port authority	0.0060 (2026)	$15
HARRIS CO HOSP DIST	Hospital district	0.1953 (2026)	$482
HARRIS CO EDUC DEPT	County education department	0.0048 (2025)	$12
LONE STAR COLLEGE SYS	Community college	0.1058 (2026)	$261
CITY OF HOUSTON	City	0.5192 (2026)	$1,283
Total		2.3157	$5,721

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 0991100000013 (7319 TALL PINES, HOUSTON, 77088), from Harris County’s Truth-in-Taxation record, read Oct 15, 2026. Exemptions on record: none. This is our estimate. Check it against the seller’s tax statement.

What it could rent for

About $1,950/month likely $1,770 to $2,120

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 0.9 miles away, renting for $1,715 to $2,300 (the middle one: $1,875). 9 of them were on the market in the last 90 days.

They rent for about $1.09 per square foot. At this home’s size, that’s about $1,875/month.

How long nearby rentals took to lease

About 22 days (the middle of the rentals that left the market). 2 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. We left out 1 listing that has been up for months, which is usually an apartment complex’s standing ad.

Rent compared with the price

The rent is 1.59% of the price each month, so the price is about 5.3 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 · 2 baths · 1,717 sq ft, from the home’s details.

Last sale on record

Aug 30, 2018 for $90,300

From public records. What the seller paid can help when you negotiate.

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
7026 Hidden Arbor Ln	3 / 2	1,708	$2,200	$1.29	1 mi	Left after 12 days · seen Jul 1, 2026
6311 Hidden Arbor Ln	3 / 2	1,772	$1,849	$1.04	0.7 mi	Left after 169 days · seen Jan 22, 2026
7202 Deep Forest Dr	3 / 2	1,832	$2,000	$1.09	0.3 mi	Still listed after 17 days · seen Oct 15, 2026
3719 Lemon Tree Ln	3 / 2	1,711	$1,715	$1.00	1.2 mi	Left after 1,116 days · seen Mar 31, 2026
8018 Zimmermann Dr	3 / 2	1,778	$2,300	$1.29	1 mi	Left after 18 days · seen Jul 24, 2026
7918 Midland Forest Dr	3 / 2	1,797	$1,900	$1.06	0.9 mi	Left after 25 days · seen Oct 1, 2026
3907 Almington Ln	3 / 2	1,774	$1,795	$1.01	1.2 mi	Still listed after 38 days · seen Oct 15, 2026
7019 Bent Branch Dr	3 / 2	1,882	$2,000	$1.06	0.3 mi	Left after 57 days · seen May 28, 2026
7238 Woodfern Dr	3 / 2	1,664	$1,799	$1.08	1.2 mi	Left after 10 days · seen Apr 28, 2026
7214 Deep Forest Dr	3 / 2	1,900	$2,300	$1.21	0.3 mi	Left after 20 days · seen Sep 22, 2026
7215 Junco Dr	3 / 2	1,634	$1,850	$1.13	1.1 mi	Left after 13 days · seen Sep 23, 2026
8515 Gander Bayshore Ln	3 / 2	1,602	$1,875	$1.17	0.8 mi	Left after 38 days · seen Apr 25, 2026
7403 Tall Pines Dr	3 / 2	1,959	$1,895	$0.97	0.1 mi	Left after 50 days · seen Aug 5, 2026
6818 Hampden Point Ct	3 / 2	1,581	$1,850	$1.17	0.8 mi	Left after 20 days · seen Jul 27, 2026
7515 Athlone Dr	3 / 2	1,599	$1,850	$1.16	1 mi	Left after 24 days · seen Sep 18, 2026

RentCast’s rent estimate, read Oct 15, 2026.

Insurance you’ll need as a landlord

About $3,351 to $5,585 a year

$372 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 (1,717 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	$2,958	1,717 sq ft × $175 a sq ft to rebuild = $300,475 of coverage. We priced it at the 2025 rate for Harris County, $8.95 per $1,000, plus extra for a landlord policy.
Flood	$1,510	Required by lenders in Zone AE. The typical price of a new federal flood policy, for this ZIP code, as of Aug 31, 2023.
In the payment	$4,468	Range $3,351 to $5,585

Zone AE is a high-risk flood zone, with at least a 1-in-100 chance of flooding in any year. Lenders require flood insurance here.

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 $6,010 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 15, 2026. Get a real landlord policy quote before you make an offer.

What it’s worth

Asking price: $245,890
: $241,800
: $247,040 for 2026

An automated estimate, nudged a little toward the county’s value, read Oct 15, 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 ($123,000). 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 $245,890.

See the home’s details

Property type: Single-family home
Bedrooms / bathrooms: 3 / 2
Living area: 1,717 sq ft
Lot: 8,499 sq ft
Year built: 1968
: $27/month
Days on the market: 63

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

Home details read Oct 15, 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 um3b3jhxwr · created Oct 15, 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.

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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

Last sale on record

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