---
title: "7319 Tall Pines Dr, Houston, TX 77088: DSCR and rental numbers | DSCR Labs"
description: "Houston rental numbers: rent about $1,950 a month, DSCR 1.29 at 25% down, taxes 2.32% a year. A free Greater Houston DSCR Snapshot, updated Oct 15, 2026."
url: https://dscrlabs.com/calculator/tx/houston/7319-tall-pines-dr-77088/z4uq95gc
---

# 7319 Tall Pines Dr, Houston, TX 77088

For sale at $245,890. 3 bedrooms, 2 bathrooms, 1,717 sq ft, built 1968. Updated Oct 15, 2026.

## Summary

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.

## The numbers at the default assumptions

With 25% down and the estimated rate. Try your own numbers on the page.

| | |
| --- | ---: |
| Price | $123,000 (half the asking price or value) |
| Down payment | 25% ($30,750) |
| Renovation budget | $10,000 (paid in cash) |
| Interest rate (estimate) | 7.34% |
| Monthly payment (PITIA) | $1,511 |
| Principal and interest | $635 |
| Property taxes | $477 |
| Insurance | $372 |
| HOA dues | $27 |
| Rent (estimate) | $1,950 (likely $1,770 to $2,120, from 15 rentals) |
| DSCR | 1.29 (the rent covers the payment 1.29 times) |
| Monthly cash flow | $104 |
| Cash to close | $44,440 |
| Cash-on-cash return | 2.81% |

## Taxes

Combined tax rate 2.32% a year (2026 rates). It uses no homestead exemption, because that ends when a home sells.

## Flood and insurance

FEMA flood zone AE: a high-risk zone, so a lender will require flood insurance. Insurance estimate: $3,351 to $5,585 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/7319-tall-pines-dr-77088/z4uq95gc

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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.