Weak
Deal attractiveness
0/100
Your would be −4.9%. You’d lose money on the cash you put in, so it scores 0.
Negative cash flow at these numbers
DSCR Snapshot
21242 Serene Meadow Dr New Caney, TX 77357
This is an estimate, not a loan approval.
This report is from Oct 13, 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: $189,990 price · 25% down · $1,730 a month rent · 7.515% rate · 8% vacancy · $10,000 renovation in cash Change the numbers
Rent coverage ()
1.02
Covers the payment, but under 1.2
Monthly cash flow
−$261
You’d add money each month
$63,197
25% down, closing costs and renovation
−4.95%
A year, on the cash you bring
A deal-breaker: the deal loses money each month. With your other settings, a price from $114,000 to $135,000 works on all three. See your maximum offer
Three scores, out of 100
Fair terms likely
Loan health
48/100
Most lenders would likely make this loan. The weak spot is down payment (0% of the county’s value).
Your price is 539% over the county’s value. A lender lends on the price or the appraisal, whichever is lower. If the appraisal comes in near the county’s value, you’d need about $120,200 more cash to keep 25% down.
Why this score
How good the loan terms would likely be, and how many lenders would make this loan:
- Rent coverage
- 1.02× okay
- Credit score
- 720 strong
- Down payment That’s 25% of your price, but only 0% of the county’s value.
- 25% weak
- Lenders likely to say yes
- most
Easier
Negotiation difficulty
3/100
Your price matches the asking price. A seller would likely agree to it.
For the rent to cover the payment 1.2 times, the price would need to be about $161,000, 15% under the asking price. A seller would likely agree to that.
Why this score
This seller may come down about 5%: priced over the county’s value. Working against you: the seller sounds firm.
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. The deal loses money each month. The rent covers the monthly payment 1.02 times (DSCR 1.02), and you would put in $261 a month after vacancy and reserves.
With the other settings as they are, a price from $114,000 to $135,000 works on all three scores. Getting a price in that range would be possible with a motivated seller. The home is in a municipal utility district (MUD): East Mont Co MUD 13A adds 1.50% to the tax rate. Before making an offer, ask a local leasing agent what homes like this one have actually leased for.
Our standard verdict, from the report’s starting numbers.
At $161,281 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
At this rent, a price of about $161,281 gets the rent to cover the payment 1.2 times.
Show as a table
| Price | DSCR | Payment/mo | Cash flow/mo | Fit |
|---|---|---|---|---|
| $76,000 | 2.23 | $774 | $659 | Deal-breaker (loan health, negotiation difficulty) |
| $81,344 | 2.11 | $817 | $616 | Deal-breaker (loan health, negotiation difficulty) |
| $86,688 | 2.01 | $859 | $573 | Deal-breaker (loan health, negotiation difficulty) |
| $92,031 | 1.91 | $902 | $530 | Deal-breaker (loan health, negotiation difficulty) |
| $97,375 | 1.83 | $945 | $488 | Deal-breaker (loan health) |
| $102,719 | 1.76 | $982 | $450 | Trade-offs (negotiation difficulty) |
| $108,063 | 1.68 | $1,025 | $408 | Trade-offs (negotiation difficulty) |
| $113,406 | 1.62 | $1,067 | $365 | Trade-offs (negotiation difficulty) |
| $118,750 | 1.55 | $1,110 | $323 | Works on all three |
| $124,094 | 1.50 | $1,152 | $280 | Works on all three |
| $129,438 | 1.44 | $1,195 | $238 | Works on all three |
| $134,781 | 1.40 | $1,230 | $202 | Works on all three |
| $140,125 | 1.35 | $1,273 | $160 | Trade-offs (deal attractiveness) |
| $145,469 | 1.31 | $1,315 | $118 | Trade-offs (deal attractiveness) |
| $150,813 | 1.27 | $1,357 | $76 | Trade-offs (deal attractiveness) |
| $156,156 | 1.22 | $1,409 | $23 | Trade-offs (deal attractiveness) |
| $161,500 | 1.19 | $1,452 | −$19 | Deal-breaker (deal attractiveness) |
| $166,844 | 1.16 | $1,486 | −$53 | Deal-breaker (deal attractiveness) |
| $172,188 | 1.13 | $1,528 | −$96 | Deal-breaker (deal attractiveness) |
| $177,531 | 1.10 | $1,570 | −$138 | Deal-breaker (deal attractiveness) |
| $182,875 | 1.05 | $1,636 | −$203 | Deal-breaker (deal attractiveness) |
| $188,219 | 1.03 | $1,679 | −$246 | Deal-breaker (deal attractiveness) |
| $193,563 | 1.00 | $1,722 | −$289 | Deal-breaker (deal attractiveness) |
| $198,906 | 0.95 | $1,816 | −$384 | Deal-breaker (deal attractiveness) |
| $204,250 | 0.93 | $1,850 | −$418 | Deal-breaker (deal attractiveness) |
| $209,594 | 0.91 | $1,894 | −$462 | Deal-breaker (deal attractiveness) |
| $214,938 | 0.89 | $1,938 | −$506 | Deal-breaker (deal attractiveness) |
| $220,281 | 0.87 | $1,982 | −$550 | Deal-breaker (deal attractiveness) |
| $225,625 | 0.85 | $2,026 | −$594 | Deal-breaker (deal attractiveness) |
| $230,969 | 0.83 | $2,070 | −$638 | Deal-breaker (deal attractiveness) |
| $236,313 | 0.81 | $2,114 | −$682 | Deal-breaker (deal attractiveness) |
| $241,656 | 0.80 | $2,158 | −$726 | Deal-breaker (deal attractiveness) |
| $247,000 | 0.78 | $2,203 | −$770 | Deal-breaker (deal attractiveness) |
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $44,198 | −$466 | 0.91 | Deal-breaker (deal attractiveness, loan health) |
| 16% | $46,098 | −$452 | 0.91 | Deal-breaker (deal attractiveness, loan health) |
| 17% | $47,998 | −$438 | 0.92 | Deal-breaker (deal attractiveness, loan health) |
| 18% | $49,898 | −$424 | 0.93 | Deal-breaker (deal attractiveness, loan health) |
| 19% | $51,798 | −$410 | 0.93 | Deal-breaker (deal attractiveness, loan health) |
| 20% | $53,698 | −$396 | 0.94 | Deal-breaker (deal attractiveness) |
| 21% | $55,598 | −$381 | 0.95 | Deal-breaker (deal attractiveness) |
| 22% | $57,498 | −$378 | 0.95 | Deal-breaker (deal attractiveness) |
| 23% | $59,397 | −$363 | 0.96 | Deal-breaker (deal attractiveness) |
| 24% | $61,297 | −$349 | 0.97 | Deal-breaker (deal attractiveness) |
| 25% | $63,197 | −$261 | 1.02 | Deal-breaker (deal attractiveness) |
| 26% | $65,097 | −$247 | 1.02 | Deal-breaker (deal attractiveness) |
| 27% | $66,997 | −$234 | 1.03 | Deal-breaker (deal attractiveness) |
| 28% | $68,897 | −$221 | 1.04 | Deal-breaker (deal attractiveness) |
| 29% | $70,797 | −$207 | 1.05 | Deal-breaker (deal attractiveness) |
| 30% | $72,697 | −$183 | 1.07 | Deal-breaker (deal attractiveness) |
| 31% | $74,597 | −$170 | 1.07 | Deal-breaker (deal attractiveness) |
| 32% | $76,497 | −$135 | 1.10 | Deal-breaker (deal attractiveness) |
| 33% | $78,396 | −$122 | 1.11 | Deal-breaker (deal attractiveness) |
| 34% | $80,296 | −$109 | 1.12 | Deal-breaker (deal attractiveness) |
| 35% | $82,196 | −$94 | 1.13 | Deal-breaker (deal attractiveness) |
| 36% | $84,096 | −$81 | 1.14 | Deal-breaker (deal attractiveness) |
| 37% | $85,996 | −$68 | 1.15 | Deal-breaker (deal attractiveness) |
| 38% | $87,896 | −$56 | 1.16 | Deal-breaker (deal attractiveness) |
| 39% | $89,796 | −$43 | 1.17 | Deal-breaker (deal attractiveness) |
| 40% | $91,696 | −$30 | 1.18 | Deal-breaker (deal attractiveness) |
| 41% | $93,596 | −$17 | 1.19 | Deal-breaker (deal attractiveness) |
| 42% | $95,496 | −$5 | 1.20 | Deal-breaker (deal attractiveness) |
| 43% | $97,395 | $8 | 1.21 | Trade-offs (deal attractiveness) |
| 44% | $99,295 | $21 | 1.22 | Trade-offs (deal attractiveness) |
| 45% | $101,195 | $34 | 1.23 | Trade-offs (deal attractiveness) |
| 46% | $103,095 | $55 | 1.25 | Trade-offs (deal attractiveness) |
| 47% | $104,995 | $68 | 1.26 | Trade-offs (deal attractiveness) |
| 48% | $106,895 | $74 | 1.27 | Trade-offs (deal attractiveness) |
| 49% | $108,795 | $87 | 1.28 | Trade-offs (deal attractiveness) |
| 50% | $110,695 | $99 | 1.29 | Trade-offs (deal attractiveness) |
For this home at this price and rent, most lenders want 25% down or more.
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $44,198 | −$466 | 0.91 | Deal-breaker (deal attractiveness, loan health) |
| 16% | $46,098 | −$452 | 0.91 | Deal-breaker (deal attractiveness, loan health) |
| 17% | $47,998 | −$438 | 0.92 | Deal-breaker (deal attractiveness, loan health) |
| 18% | $49,898 | −$424 | 0.93 | Deal-breaker (deal attractiveness, loan health) |
| 19% | $51,798 | −$410 | 0.93 | Deal-breaker (deal attractiveness, loan health) |
| 20% | $53,698 | −$396 | 0.94 | Deal-breaker (deal attractiveness) |
| 21% | $55,598 | −$381 | 0.95 | Deal-breaker (deal attractiveness) |
| 22% | $57,498 | −$378 | 0.95 | Deal-breaker (deal attractiveness) |
| 23% | $59,397 | −$363 | 0.96 | Deal-breaker (deal attractiveness) |
| 24% | $61,297 | −$349 | 0.97 | Deal-breaker (deal attractiveness) |
| 25% | $63,197 | −$261 | 1.02 | Deal-breaker (deal attractiveness) |
| 26% | $65,097 | −$247 | 1.02 | Deal-breaker (deal attractiveness) |
| 27% | $66,997 | −$234 | 1.03 | Deal-breaker (deal attractiveness) |
| 28% | $68,897 | −$221 | 1.04 | Deal-breaker (deal attractiveness) |
| 29% | $70,797 | −$207 | 1.05 | Deal-breaker (deal attractiveness) |
| 30% | $72,697 | −$183 | 1.07 | Deal-breaker (deal attractiveness) |
| 31% | $74,597 | −$170 | 1.07 | Deal-breaker (deal attractiveness) |
| 32% | $76,497 | −$135 | 1.10 | Deal-breaker (deal attractiveness) |
| 33% | $78,396 | −$122 | 1.11 | Deal-breaker (deal attractiveness) |
| 34% | $80,296 | −$109 | 1.12 | Deal-breaker (deal attractiveness) |
| 35% | $82,196 | −$94 | 1.13 | Deal-breaker (deal attractiveness) |
| 36% | $84,096 | −$81 | 1.14 | Deal-breaker (deal attractiveness) |
| 37% | $85,996 | −$68 | 1.15 | Deal-breaker (deal attractiveness) |
| 38% | $87,896 | −$56 | 1.16 | Deal-breaker (deal attractiveness) |
| 39% | $89,796 | −$43 | 1.17 | Deal-breaker (deal attractiveness) |
| 40% | $91,696 | −$30 | 1.18 | Deal-breaker (deal attractiveness) |
| 41% | $93,596 | −$17 | 1.19 | Deal-breaker (deal attractiveness) |
| 42% | $95,496 | −$5 | 1.20 | Deal-breaker (deal attractiveness) |
| 43% | $97,395 | $8 | 1.21 | Trade-offs (deal attractiveness) |
| 44% | $99,295 | $21 | 1.22 | Trade-offs (deal attractiveness) |
| 45% | $101,195 | $34 | 1.23 | Trade-offs (deal attractiveness) |
| 46% | $103,095 | $55 | 1.25 | Trade-offs (deal attractiveness) |
| 47% | $104,995 | $68 | 1.26 | Trade-offs (deal attractiveness) |
| 48% | $106,895 | $74 | 1.27 | Trade-offs (deal attractiveness) |
| 49% | $108,795 | $87 | 1.28 | Trade-offs (deal attractiveness) |
| 50% | $110,695 | $99 | 1.29 | Trade-offs (deal attractiveness) |
Show as a table
| Credit score | Estimated rate | Loan payment/mo | DSCR | Fit |
|---|---|---|---|---|
| 620 | 8.42% | $1,087 | 0.97 | Deal-breaker (deal attractiveness, loan health) |
| 630 | 8.42% | $1,087 | 0.97 | Deal-breaker (deal attractiveness, loan health) |
| 640 | 8.42% | $1,087 | 0.97 | Deal-breaker (deal attractiveness, loan health) |
| 650 | 8.42% | $1,087 | 0.97 | Deal-breaker (deal attractiveness, loan health) |
| 660 | 8.42% | $1,087 | 0.97 | Deal-breaker (deal attractiveness) |
| 670 | 8.42% | $1,087 | 0.97 | Deal-breaker (deal attractiveness) |
| 680 | 7.66% | $1,012 | 1.01 | Deal-breaker (deal attractiveness) |
| 690 | 7.66% | $1,012 | 1.01 | Deal-breaker (deal attractiveness) |
| 700 | 7.56% | $1,003 | 1.01 | Deal-breaker (deal attractiveness) |
| 710 | 7.56% | $1,003 | 1.01 | Deal-breaker (deal attractiveness) |
| 720 | 7.51% | $998 | 1.02 | Deal-breaker (deal attractiveness) |
| 730 | 7.51% | $998 | 1.02 | Deal-breaker (deal attractiveness) |
| 740 | 7.46% | $993 | 1.02 | Deal-breaker (deal attractiveness) |
| 750 | 7.46% | $993 | 1.02 | Deal-breaker (deal attractiveness) |
| 760 | 7.41% | $988 | 1.02 | Deal-breaker (deal attractiveness) |
| 770 | 7.41% | $988 | 1.02 | Deal-breaker (deal attractiveness) |
| 780 | 7.41% | $988 | 1.02 | Deal-breaker (deal attractiveness) |
| 790 | 7.41% | $988 | 1.02 | Deal-breaker (deal attractiveness) |
| 800 | 7.41% | $988 | 1.02 | Deal-breaker (deal attractiveness) |
| 810 | 7.41% | $988 | 1.02 | Deal-breaker (deal attractiveness) |
| 820 | 7.41% | $988 | 1.02 | Deal-breaker (deal attractiveness) |
Show as a table
| Rate | Loan payment/mo | DSCR | Cash flow/mo | Fit |
|---|---|---|---|---|
| 5.00% | $765 | 1.18 | −$28 | Deal-breaker (deal attractiveness) |
| 5.25% | $787 | 1.16 | −$50 | Deal-breaker (deal attractiveness) |
| 5.50% | $809 | 1.15 | −$72 | Deal-breaker (deal attractiveness) |
| 5.75% | $832 | 1.13 | −$94 | Deal-breaker (deal attractiveness) |
| 6.00% | $854 | 1.11 | −$117 | Deal-breaker (deal attractiveness) |
| 6.25% | $877 | 1.10 | −$140 | Deal-breaker (deal attractiveness) |
| 6.50% | $901 | 1.08 | −$163 | Deal-breaker (deal attractiveness) |
| 6.75% | $924 | 1.06 | −$187 | Deal-breaker (deal attractiveness) |
| 7.00% | $948 | 1.05 | −$211 | Deal-breaker (deal attractiveness) |
| 7.25% | $972 | 1.03 | −$235 | Deal-breaker (deal attractiveness) |
| 7.50% | $996 | 1.02 | −$259 | Deal-breaker (deal attractiveness) |
| 7.75% | $1,021 | 1.00 | −$284 | Deal-breaker (deal attractiveness) |
| 8.00% | $1,046 | 0.99 | −$308 | Deal-breaker (deal attractiveness) |
| 8.25% | $1,071 | 0.97 | −$333 | Deal-breaker (deal attractiveness) |
| 8.50% | $1,096 | 0.96 | −$358 | Deal-breaker (deal attractiveness) |
| 8.75% | $1,121 | 0.95 | −$384 | Deal-breaker (deal attractiveness) |
| 9.00% | $1,147 | 0.93 | −$409 | Deal-breaker (deal attractiveness) |
| 9.25% | $1,172 | 0.92 | −$435 | Deal-breaker (deal attractiveness) |
| 9.50% | $1,198 | 0.91 | −$461 | Deal-breaker (deal attractiveness) |
| 9.75% | $1,224 | 0.90 | −$487 | Deal-breaker (deal attractiveness) |
| 10.00% | $1,250 | 0.88 | −$513 | Deal-breaker (deal attractiveness) |
| 10.25% | $1,277 | 0.87 | −$540 | Deal-breaker (deal attractiveness) |
| 10.50% | $1,303 | 0.86 | −$566 | Deal-breaker (deal attractiveness) |
| 10.75% | $1,330 | 0.85 | −$593 | Deal-breaker (deal attractiveness) |
| 11.00% | $1,357 | 0.84 | −$620 | Deal-breaker (deal attractiveness) |
| 11.25% | $1,384 | 0.83 | −$647 | Deal-breaker (deal attractiveness) |
| 11.50% | $1,411 | 0.82 | −$674 | Deal-breaker (deal attractiveness) |
| 11.75% | $1,438 | 0.81 | −$701 | Deal-breaker (deal attractiveness) |
| 12.00% | $1,466 | 0.80 | −$729 | Deal-breaker (deal attractiveness) |
At this price, a rent of about $2,032 would reach DSCR 1.2.
Show as a table
| Rent | DSCR | Cash flow/mo | Cash-on-cash | Fit |
|---|---|---|---|---|
| $1,200 | 0.68 | −$749 | −14.22% | Deal-breaker (deal attractiveness, loan health) |
| $1,233 | 0.70 | −$722 | −13.7% | Deal-breaker (deal attractiveness, loan health) |
| $1,266 | 0.72 | −$694 | −13.19% | Deal-breaker (deal attractiveness, loan health) |
| $1,298 | 0.74 | −$667 | −12.67% | Deal-breaker (deal attractiveness, loan health) |
| $1,331 | 0.76 | −$640 | −12.15% | Deal-breaker (deal attractiveness) |
| $1,364 | 0.78 | −$613 | −11.64% | Deal-breaker (deal attractiveness) |
| $1,397 | 0.80 | −$586 | −11.12% | Deal-breaker (deal attractiveness) |
| $1,430 | 0.82 | −$559 | −10.61% | Deal-breaker (deal attractiveness) |
| $1,463 | 0.83 | −$531 | −10.09% | Deal-breaker (deal attractiveness) |
| $1,495 | 0.85 | −$504 | −9.57% | Deal-breaker (deal attractiveness) |
| $1,528 | 0.87 | −$477 | −9.06% | Deal-breaker (deal attractiveness) |
| $1,561 | 0.89 | −$450 | −8.54% | Deal-breaker (deal attractiveness) |
| $1,594 | 0.91 | −$423 | −8.03% | Deal-breaker (deal attractiveness) |
| $1,627 | 0.93 | −$396 | −7.51% | Deal-breaker (deal attractiveness) |
| $1,659 | 0.95 | −$368 | −6.99% | Deal-breaker (deal attractiveness) |
| $1,692 | 0.97 | −$341 | −6.48% | Deal-breaker (deal attractiveness) |
| $1,725 | 1.01 | −$265 | −5.03% | Deal-breaker (deal attractiveness) |
| $1,758 | 1.03 | −$238 | −4.51% | Deal-breaker (deal attractiveness) |
| $1,791 | 1.05 | −$210 | −4% | Deal-breaker (deal attractiveness) |
| $1,823 | 1.07 | −$183 | −3.48% | Deal-breaker (deal attractiveness) |
| $1,856 | 1.11 | −$132 | −2.5% | Deal-breaker (deal attractiveness) |
| $1,889 | 1.13 | −$105 | −1.99% | Deal-breaker (deal attractiveness) |
| $1,922 | 1.15 | −$77 | −1.47% | Deal-breaker (deal attractiveness) |
| $1,955 | 1.17 | −$50 | −0.96% | Deal-breaker (deal attractiveness) |
| $1,988 | 1.19 | −$23 | −0.44% | Deal-breaker (deal attractiveness) |
| $2,020 | 1.21 | $4 | 0.08% | Trade-offs (deal attractiveness) |
| $2,053 | 1.23 | $31 | 0.59% | Trade-offs (deal attractiveness) |
| $2,086 | 1.25 | $70 | 1.34% | Trade-offs (deal attractiveness) |
| $2,119 | 1.27 | $98 | 1.85% | Trade-offs (deal attractiveness) |
| $2,152 | 1.29 | $125 | 2.37% | Trade-offs (deal attractiveness) |
| $2,184 | 1.31 | $152 | 2.89% | Trade-offs (deal attractiveness) |
| $2,217 | 1.33 | $179 | 3.4% | Trade-offs (deal attractiveness) |
| $2,250 | 1.35 | $206 | 3.92% | Trade-offs (deal attractiveness) |
Each point of vacancy is about $208 a year of rent you don’t collect.
Show as a table
| Vacancy | Rent collected/mo | Cash flow/mo | Fit |
|---|---|---|---|
| 0% | $1,730 | −$136 | Deal-breaker (deal attractiveness) |
| 1% | $1,713 | −$152 | Deal-breaker (deal attractiveness) |
| 2% | $1,695 | −$167 | Deal-breaker (deal attractiveness) |
| 3% | $1,678 | −$183 | Deal-breaker (deal attractiveness) |
| 4% | $1,661 | −$198 | Deal-breaker (deal attractiveness) |
| 5% | $1,644 | −$214 | Deal-breaker (deal attractiveness) |
| 6% | $1,626 | −$230 | Deal-breaker (deal attractiveness) |
| 7% | $1,609 | −$245 | Deal-breaker (deal attractiveness) |
| 8% | $1,592 | −$261 | Deal-breaker (deal attractiveness) |
| 9% | $1,574 | −$276 | Deal-breaker (deal attractiveness) |
| 10% | $1,557 | −$292 | Deal-breaker (deal attractiveness) |
| 11% | $1,540 | −$307 | Deal-breaker (deal attractiveness) |
| 12% | $1,522 | −$323 | Deal-breaker (deal attractiveness) |
| 13% | $1,505 | −$338 | Deal-breaker (deal attractiveness) |
| 14% | $1,488 | −$354 | Deal-breaker (deal attractiveness) |
| 15% | $1,471 | −$370 | Deal-breaker (deal attractiveness) |
| 16% | $1,453 | −$385 | Deal-breaker (deal attractiveness) |
| 17% | $1,436 | −$401 | Deal-breaker (deal attractiveness) |
| 18% | $1,419 | −$416 | Deal-breaker (deal attractiveness) |
| 19% | $1,401 | −$432 | Deal-breaker (deal attractiveness) |
| 20% | $1,384 | −$447 | Deal-breaker (deal attractiveness) |
| 21% | $1,367 | −$463 | Deal-breaker (deal attractiveness) |
| 22% | $1,349 | −$479 | Deal-breaker (deal attractiveness) |
| 23% | $1,332 | −$494 | Deal-breaker (deal attractiveness) |
| 24% | $1,315 | −$510 | Deal-breaker (deal attractiveness) |
| 25% | $1,298 | −$525 | Deal-breaker (deal attractiveness) |
More assumptions: management, set-asides and renovation
- 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 $261 a month.
Show as a table
| Line | Per month | Share of rent |
|---|---|---|
| Empty months (vacancy) | $138 | 8% |
| Repairs and big replacements | $159 | 9% |
| Loan payment, taxes, insurance and HOA | $1,693 | 98% |
| Shortfall you’d add | −$261 | -15% |
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 | $53,197 | −$261 | −5.88% | 1.02 | Deal-breaker (deal attractiveness) |
| $5,000 | $58,197 | −$261 | −5.37% | 1.02 | Deal-breaker (deal attractiveness) |
| $10,000 | $63,197 | −$261 | −4.95% | 1.02 | Deal-breaker (deal attractiveness) |
| $15,000 | $68,197 | −$261 | −4.59% | 1.02 | Deal-breaker (deal attractiveness) |
| $20,000 | $73,197 | −$261 | −4.27% | 1.02 | Deal-breaker (deal attractiveness) |
| $25,000 | $78,197 | −$261 | −4% | 1.02 | Deal-breaker (deal attractiveness) |
| $30,000 | $83,197 | −$261 | −3.76% | 1.02 | Deal-breaker (deal attractiveness) |
| $35,000 | $88,197 | −$261 | −3.55% | 1.02 | Deal-breaker (deal attractiveness) |
| $40,000 | $93,197 | −$261 | −3.36% | 1.02 | Deal-breaker (deal attractiveness) |
| $45,000 | $98,197 | −$261 | −3.19% | 1.02 | Deal-breaker (deal attractiveness) |
| $50,000 | $103,197 | −$261 | −3.03% | 1.02 | Deal-breaker (deal attractiveness) |
| $55,000 | $108,197 | −$261 | −2.89% | 1.02 | Deal-breaker (deal attractiveness) |
| $60,000 | $113,197 | −$261 | −2.76% | 1.02 | Deal-breaker (deal attractiveness) |
| $65,000 | $118,197 | −$261 | −2.65% | 1.02 | Deal-breaker (deal attractiveness) |
| $70,000 | $123,197 | −$261 | −2.54% | 1.02 | Deal-breaker (deal attractiveness) |
| $75,000 | $128,197 | −$261 | −2.44% | 1.02 | Deal-breaker (deal attractiveness) |
| $80,000 | $133,197 | −$261 | −2.35% | 1.02 | Deal-breaker (deal attractiveness) |
| $85,000 | $138,197 | −$261 | −2.26% | 1.02 | Deal-breaker (deal attractiveness) |
| $90,000 | $143,197 | −$261 | −2.18% | 1.02 | Deal-breaker (deal attractiveness) |
| $95,000 | $148,197 | −$261 | −2.11% | 1.02 | Deal-breaker (deal attractiveness) |
| $100,000 | $153,197 | −$261 | −2.04% | 1.02 | Deal-breaker (deal attractiveness) |
Does the rent cover the loan?
At the asking price of $189,990 with 25% down, the rent of $1,730 a month covers the monthly payment 1.02 times. The rent covers the payment, but not the 1.2 most lenders want. Expect a higher rate, or a lender may ask for more money down.
0.601.001.201.40
| What it pays for | Where the number comes from | Per month |
|---|---|---|
| Loan payment | $142,493 loan at 7.515% over 30 years, at our estimated rate. | $998 |
| Property taxes | Your tax rate as an investor on $189,990, with no exemptions. See the tax details below. | $530 |
| Insurance | Our middle estimate. See the insurance details below. | $166 |
| HOA dues | None found. | $0 |
| Total (PITIA) | $1,693 |
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 $125k–$150k | +0.100% |
| Rent coverage 1.00–1.09 | +0.375% |
| Estimated rate | 7.515% |
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 $161,281 at this rent, or a rent of about $2,032 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 $155,238, it would reach 1.25.
Show me the math
- Loan
- price × (1 − down payment) = $189,990 × (1 − 25%) = $142,493, a of 75%
- Loan payment (principal and interest)
- $142,493 at 7.515%, paid off evenly over 30 years = $998 a month
- Full monthly payment (PITIA)
- $998 + taxes $530 + insurance $166 + HOA $0 = $1,693
- DSCR
- rent ÷ payment = $1,730 ÷ $1,693 = 1.02 (the full rent, nothing off for empty months, as lenders count it)
- Rent you actually collect
- rent × (1 − vacancy) = $1,730 × (1 − 8%) = $1,592
- Set aside each month
- $1,592 × (0% management + 5% repairs + 5% big replacements) = $159
- Monthly cash flow
- $1,592 − $159 − $1,693 = −$261
- Cash to close
- down payment $47,498 + closing costs 3% ($5,700) + renovation $10,000 = $63,197
- Cash-on-cash return
- 12 × −$261 ÷ $63,197 = −4.95% a year
Local details behind the numbers
Your property taxes as an investor
About $6,354 a year ($530 a month) on a taxable value of $189,990 (the asking price)
3.34% a year ($3.3446 per $100, 2026 rates)
One district on this home ((381 Agrmt) East Mont Co MUD 13 (Co Ex)) has no published rate yet, so the total above leaves it out. New districts and some MUDs publish late. The seller’s tax statement will show the rate.
This is new construction. The county has taxed only the land so far, so expect the full bill above once the house is appraised. The seller’s past bills were for the land only.
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
The county lists the seller’s 2026 taxes at $549. That covers every district, after their exemptions. You’d pay about $6,354, which is $5,806 more.
Why yours is likely higher:
- After a sale, the county moves the value toward the price you paid.
- Last year’s bill covered only the land. Once the house is on the tax roll, the bill jumps.
The and its stay with the seller.
| Taxing district | Kind | Rate per $100 | Per year |
|---|---|---|---|
| Emergency Ser Dist #7 | Special district | 0.1000 | $190 |
| Montgomery Cnty | County | 0.3860 | $733 |
| Mont Co Hospital | Hospital district | 0.0458 | $87 |
| Lone Star College | Community college | 0.1058 | $201 |
| East Mont Co MUD 13A | Utility district (MUD) | 1.5000 | $2,850 |
| Splendora ISD | School district | 1.2070 | $2,293 |
| (381 Agrmt) East Mont Co MUD 13 (Co Ex) | Utility district (MUD) | Not published yet | n/a |
| Total | 3.3446 | $6,354 |
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.
: This home is in a MUD that taxes it at $1.5000 per $100, about $237 a month of the total. The MUD sold bonds to build the neighborhood’s water, sewer and drainage, and homeowners repay them through this tax. The rate usually falls as the bonds are paid off, but it can stay high for years in a new neighborhood. Its rate is on the high end for Montgomery County. Ask the seller for the MUD notice they signed when they bought.
Words to know: · · · · ·
Montgomery Central Appraisal District account 836649 (21242 SERENE MEADOW DR, NEW CANEY, 77357), from Montgomery County’s Truth-in-Taxation record, read Oct 13, 2026. Exemptions on record: none. This is our estimate. Check it against the seller’s tax statement.
What it could rent for
About $1,730/month likely $1,630 to $1,840
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.
The rentals it compared
15 homes, usually 0.7 miles away, renting for $1,600 to $2,000 (the middle one: $1,700). 6 of them were on the market in the last 90 days.
They rent for about $1.14 per square foot. At this home’s size, that’s about $1,655/month.
How long nearby rentals took to lease
About 23 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 0.91% of the price each month, so the price is about 9.2 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 · 1,451 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
| Rental | Beds / baths | Sq ft | Rent | Per sq ft | Distance | On the market |
|---|---|---|---|---|---|---|
| 21540 Rustic Elm Dr | 3 / 2 | 1,444 | $1,650 | $1.14 | 0.3 mi | Left after 196 days · seen Apr 13, 2026 |
| 21344 Pine Mill Dr | 3 / 2 | 1,444 | $1,850 | $1.28 | 0.3 mi | Left after 29 days · seen Apr 20, 2026 |
| 21328 Pine Mill Dr | 3 / 2 | 1,479 | $1,650 | $1.12 | 0.3 mi | Left after 21 days · seen Apr 5, 2026 |
| 14858 Cypress Hollow Dr | 3 / 2 | 1,451 | $1,600 | $1.10 | 0.9 mi | Still listed after 112 days · seen Oct 12, 2026 |
| 21227 Alder Oaks Dr | 3 / 2 | 1,489 | $1,700 | $1.14 | 0.7 mi | Left after 88 days · seen Jul 14, 2026 |
| 14344 Rain Dr | 3 / 2 | 1,484 | $1,850 | $1.25 | 0.7 mi | Left after 87 days · seen Jun 3, 2026 |
| 15019 Ashton Meadows Dr | 3 / 2 | 1,501 | $1,790 | $1.19 | 0.6 mi | Left after 16 days · seen May 21, 2026 |
| 14986 Cypress Hollow Dr | 3 / 2 | 1,489 | $1,700 | $1.14 | 0.8 mi | Left after 112 days · seen Aug 5, 2026 |
| 14962 Cypress Hollow Dr | 3 / 2 | 1,489 | $1,700 | $1.14 | 0.8 mi | Left after 108 days · seen Aug 1, 2026 |
| 21254 Ivy Woods Ct | 3 / 2 | 1,565 | $1,650 | $1.05 | 0.2 mi | Left after 22 days · seen Feb 5, 2026 |
| 15171 Willow Tree Ln | 3 / 2 | 1,545 | $1,650 | $1.07 | 0.5 mi | Left after 9 days · seen Jul 23, 2026 |
| 21197 Alder Oaks Dr | 3 / 2 | 1,539 | $1,700 | $1.10 | 0.7 mi | Left after 24 days · seen Apr 4, 2026 |
| 16257 Bergara Bend Dr | 3 / 2 | 1,311 | $2,000 | $1.53 | 0.1 mi | Still listed after 48 days · seen Oct 12, 2026 |
| 14683 Canyon Pines Ln | 3 / 2 | 1,560 | $1,650 | $1.06 | 0.7 mi | Left after 14 days · seen Jul 21, 2026 |
| 14741 Hazel Branch Dr | 3 / 2 | 1,585 | $1,850 | $1.17 | 0.8 mi | Left after 18 days · seen Mar 5, 2026 |
RentCast’s rent estimate, read Oct 13, 2026.
Insurance you’ll need as a landlord
About $1,492 to $2,486 a year
$166 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 (1,451 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.
| Policy | Per year | How we estimated it |
|---|---|---|
| Home | $1,989 | 1,451 sq ft × $175 a sq ft to rebuild = $253,925 of coverage. We priced it at the 2025 rate for Montgomery County, $7.12 per $1,000, plus extra for a landlord policy. |
| Flood (optional) | $1,264 | 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 | $1,989 | Range $1,492 to $2,486 |
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 (montgomery County is not in TWIA’s coastal catastrophe area).
: Policies here charge a percent of the home’s coverage for wind and hail claims: 2% is standard, about $5,079 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 13, 2026. Get a real landlord policy quote before you make an offer.
What it’s worth
- Asking price
- $189,990
- Not available
- $29,750 for 2026
- We couldn’t find a value estimate for this home. Look at recent sales nearby, or ask an agent for a price opinion.
- From the Montgomery 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 asking price ($189,990). 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 $189,990.
We didn’t find HOA dues for this home. That can mean there aren’t any, or that they weren’t entered. Ask the seller or the agent.
See the home’s details
- Property type
- Single-family home
- Bedrooms / bathrooms
- 3 / 2
- Living area
- 1,451 sq ft
- Year built
- 2026
- Not known
- Days on the market
- 0
New construction: past tax bills may cover only the land, so the bill will rise once the house is on the tax roll.
Homes that sit longer often leave more room to negotiate on price.
Home details read Oct 13, 2026. They can be out of date or wrong, so confirm them with the agent or seller.
From the county record
RentCast’s copy of the county record, read Oct 13, 2026. These records can trail the county by weeks or months.
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.
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 4x2cybmzk9 · created Oct 13, 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.
Is something wrong, or do you want this page taken down? Email us.
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