DSCR Snapshot

17323 Tall Cypress Dr Spring, TX 77388

This is an estimate, not a loan approval.

Single-family home · 5 bd · 3 ba · 2,774 sq ft · built 1972 Address matched on the U.S. Census Bureau’s map Oct 13, 2026.

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: $184,000 price · 25% down · $2,570 a month rent · 7.14% rate · 8% vacancy · $10,000 renovation in cash Change the numbers

Rent coverage ()

1.34

1.25 or more gets lenders’ best pricing

Monthly cash flow

$220

$2,641 a year

$61,520

25% down, closing costs and renovation

4.29%

A year, on the cash you bring

Trade-offs: the return on your cash is low. With your other settings, a price from $128,000 to $178,000 works on all three. See your maximum offer

Three scores, out of 100

Weak

Deal attractiveness

33/100

Your would be 4.3%. 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

84/100

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
1.34× strong
Credit score
720 strong
Down payment The loan is 75% of your price.
25% strong
Lenders likely to say yes
most

Easier

Negotiation difficulty

25/100

Your price is 15% under the asking price. A seller would likely agree to it.

At your price, the rent already covers the payment 1.2 times.

Why this score

This seller may come down about 7%: listed 10 days, priced over the estimated home value, the seller sounds open to offers.

How the seller describes it: it’s sold as-is or needs work.

Data quality: Fair 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. This home is offered as-is or needs work. The rent covers the monthly payment 1.34 times (DSCR 1.34), and you would have $220 a month left over after vacancy and reserves.

With the other settings as they are, a price from $128,000 to $178,000 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): HC WCID 132 adds 0.29% to the tax rate, and the county labels it a developing district whose rate can change. Get a real landlord insurance quote and a lender term sheet to firm up these estimates before making an offer.

Our standard verdict, from the report’s starting numbers.

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
$184,000

Starts at the highest price where the rent covers the payment 1.2 times and your cash earns at least 5% a year. The asking price is $217,500. Now 15% under the asking price and 14% under the estimated home value.

  • That’s a little past the 7% this seller may come down.
  • At this price the rent covers the payment 1.2 times or more.
Rent coverage (DSCR) at each price
1.00×1.20×1.40×1.60×1.80×$100,000$150,000$200,000$250,0001.25 best rates1.20 most lenders want1.00 rent just covers itAsking: $217,500Price for DSCR 1.2: $227,341

At this rent, a price of about $227,341 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
$87,0001.79$1,430$698Deal-breaker (loan health, negotiation difficulty)
$93,1251.75$1,462$666Deal-breaker (loan health, negotiation difficulty)
$99,2501.71$1,494$634Deal-breaker (loan health, negotiation difficulty)
$105,3751.68$1,521$607Deal-breaker (negotiation difficulty)
$111,5001.65$1,552$576Trade-offs (negotiation difficulty)
$117,6251.62$1,584$544Trade-offs (negotiation difficulty)
$123,7501.59$1,616$512Trade-offs (negotiation difficulty)
$129,8751.56$1,647$481Works on all three
$136,0001.53$1,672$456Works on all three
$142,1251.50$1,703$425Works on all three
$148,2501.48$1,735$393Works on all three
$154,3751.45$1,766$362Works on all three
$160,5001.43$1,797$331Works on all three
$166,6251.40$1,828$300Works on all three
$172,7501.38$1,851$277Works on all three
$178,8751.36$1,882$246Trade-offs (deal attractiveness)
$185,0001.34$1,913$215Trade-offs (deal attractiveness)
$191,1251.32$1,944$184Trade-offs (deal attractiveness)
$197,2501.30$1,975$153Trade-offs (deal attractiveness)
$203,3751.28$1,996$132Trade-offs (deal attractiveness)
$209,5001.26$2,026$102Trade-offs (deal attractiveness)
$215,6251.24$2,071$57Trade-offs (deal attractiveness)
$221,7501.22$2,102$26Trade-offs (deal attractiveness)
$227,8751.20$2,133−$5Deal-breaker (deal attractiveness)
$234,0001.18$2,164−$36Deal-breaker (deal attractiveness)
$240,1251.17$2,195−$67Deal-breaker (deal attractiveness)
$246,2501.15$2,226−$98Deal-breaker (deal attractiveness)
$252,3751.13$2,257−$129Deal-breaker (deal attractiveness)
$258,5001.12$2,288−$160Deal-breaker (deal attractiveness)
$264,6251.10$2,319−$191Deal-breaker (deal attractiveness)
$270,7501.07$2,385−$257Deal-breaker (deal attractiveness)
$276,8751.06$2,417−$289Deal-breaker (deal attractiveness)
$283,0001.04$2,452−$324Deal-breaker (deal attractiveness)
25%

That’s $46,000 at this price.

  • At 30% down the loan moves to a lower rate tier, about 0.125% less.
  • Each extra 5% down adds about $9,200 to the cash you bring and $73 a month to cash flow.
Cash to close
$0$50,000$100,000$150,00020%30%40%50%
Show as a table
Down paymentCash to closeCash flow/moDSCRFit
15%$43,120$801.25Deal-breaker (loan health)
16%$44,960$931.26Deal-breaker (loan health)
17%$46,800$1051.27Deal-breaker (loan health)
18%$48,640$1181.27Deal-breaker (loan health)
19%$50,480$1201.28Deal-breaker (loan health)
20%$52,320$1331.28Trade-offs (deal attractiveness)
21%$54,160$1461.29Trade-offs (deal attractiveness)
22%$56,000$1581.30Trade-offs (deal attractiveness)
23%$57,840$1711.31Trade-offs (deal attractiveness)
24%$59,680$1841.32Trade-offs (deal attractiveness)
25%$61,520$2201.34Trade-offs (deal attractiveness)
26%$63,360$2321.35Trade-offs (deal attractiveness)
27%$65,200$2451.36Trade-offs (deal attractiveness)
28%$67,040$2571.37Trade-offs (deal attractiveness)
29%$68,880$2701.38Trade-offs (deal attractiveness)
30%$70,720$2931.40Works on all three
31%$72,560$3051.40Works on all three
32%$74,400$3171.41Works on all three
33%$76,240$3211.42Works on all three
34%$78,080$3341.43Works on all three
35%$79,920$3561.45Works on all three
36%$81,760$3691.46Works on all three
37%$83,600$3811.47Works on all three
38%$85,440$3931.48Works on all three
39%$87,280$4051.49Works on all three
40%$89,120$4171.50Works on all three
41%$90,960$4301.51Works on all three
42%$92,800$4421.52Works on all three
43%$94,640$4541.53Works on all three
44%$96,480$4661.54Works on all three
45%$98,320$4791.55Works on all three
46%$100,160$4841.56Works on all three
47%$102,000$4961.57Works on all three
48%$103,840$5091.58Works on all three
49%$105,680$5211.59Works on all three
50%$107,520$5341.61Works on all three
Monthly cash flow
$0$200$400$60020%30%40%50%$0 cash flow
Show as a table
Down paymentCash to closeCash flow/moDSCRFit
15%$43,120$801.25Deal-breaker (loan health)
16%$44,960$931.26Deal-breaker (loan health)
17%$46,800$1051.27Deal-breaker (loan health)
18%$48,640$1181.27Deal-breaker (loan health)
19%$50,480$1201.28Deal-breaker (loan health)
20%$52,320$1331.28Trade-offs (deal attractiveness)
21%$54,160$1461.29Trade-offs (deal attractiveness)
22%$56,000$1581.30Trade-offs (deal attractiveness)
23%$57,840$1711.31Trade-offs (deal attractiveness)
24%$59,680$1841.32Trade-offs (deal attractiveness)
25%$61,520$2201.34Trade-offs (deal attractiveness)
26%$63,360$2321.35Trade-offs (deal attractiveness)
27%$65,200$2451.36Trade-offs (deal attractiveness)
28%$67,040$2571.37Trade-offs (deal attractiveness)
29%$68,880$2701.38Trade-offs (deal attractiveness)
30%$70,720$2931.40Works on all three
31%$72,560$3051.40Works on all three
32%$74,400$3171.41Works on all three
33%$76,240$3211.42Works on all three
34%$78,080$3341.43Works on all three
35%$79,920$3561.45Works on all three
36%$81,760$3691.46Works on all three
37%$83,600$3811.47Works on all three
38%$85,440$3931.48Works on all three
39%$87,280$4051.49Works on all three
40%$89,120$4171.50Works on all three
41%$90,960$4301.51Works on all three
42%$92,800$4421.52Works on all three
43%$94,640$4541.53Works on all three
44%$96,480$4661.54Works on all three
45%$98,320$4791.55Works on all three
46%$100,160$4841.56Works on all three
47%$102,000$4961.57Works on all three
48%$103,840$5091.58Works on all three
49%$105,680$5211.59Works on all three
50%$107,520$5341.61Works on all three
720
  • At 740, the estimated rate drops about 0.05%.
Estimated rate by credit score
7.00%7.20%7.40%7.60%650700750800
Show as a table
Credit scoreEstimated rateLoan payment/moDSCRFit
6207.54%$9691.32Deal-breaker (loan health)
6307.54%$9691.32Deal-breaker (loan health)
6407.54%$9691.32Deal-breaker (loan health)
6507.54%$9691.32Deal-breaker (loan health)
6607.54%$9691.32Trade-offs (deal attractiveness)
6707.54%$9691.32Trade-offs (deal attractiveness)
6807.29%$9451.33Trade-offs (deal attractiveness)
6907.29%$9451.33Trade-offs (deal attractiveness)
7007.19%$9361.34Trade-offs (deal attractiveness)
7107.19%$9361.34Trade-offs (deal attractiveness)
7207.14%$9311.34Trade-offs (deal attractiveness)
7307.14%$9311.34Trade-offs (deal attractiveness)
7407.09%$9261.35Trade-offs (deal attractiveness)
7507.09%$9261.35Trade-offs (deal attractiveness)
7607.04%$9221.35Trade-offs (deal attractiveness)
7707.04%$9221.35Trade-offs (deal attractiveness)
7807.04%$9221.35Trade-offs (deal attractiveness)
7907.04%$9221.35Trade-offs (deal attractiveness)
8007.04%$9221.35Trade-offs (deal attractiveness)
8107.04%$9221.35Trade-offs (deal attractiveness)
8207.04%$9221.35Trade-offs (deal attractiveness)
7.14%

Our estimate: 7.140%.

  • Above about 13.615%, the rent stops covering the payment.
Monthly cash flow at each rate
−$250$0$250$5006.00%8.00%10.00%12.00%$0 cash flow
Show as a table
RateLoan payment/moDSCRCash flow/moFit
5.00%$7411.49$410Works on all three
5.25%$7621.47$389Works on all three
5.50%$7841.45$368Works on all three
5.75%$8051.44$346Works on all three
6.00%$8271.42$324Works on all three
6.25%$8501.40$301Works on all three
6.50%$8721.38$279Works on all three
6.75%$8951.37$256Works on all three
7.00%$9181.35$233Trade-offs (deal attractiveness)
7.25%$9411.33$210Trade-offs (deal attractiveness)
7.50%$9651.32$186Trade-offs (deal attractiveness)
7.75%$9891.30$163Trade-offs (deal attractiveness)
8.00%$1,0131.29$139Trade-offs (deal attractiveness)
8.25%$1,0371.27$114Trade-offs (deal attractiveness)
8.50%$1,0611.26$90Trade-offs (deal attractiveness)
8.75%$1,0861.24$66Trade-offs (deal attractiveness)
9.00%$1,1101.23$41Trade-offs (deal attractiveness)
9.25%$1,1351.21$16Trade-offs (deal attractiveness)
9.50%$1,1601.20−$9Deal-breaker (deal attractiveness)
9.75%$1,1861.18−$34Deal-breaker (deal attractiveness)
10.00%$1,2111.17−$60Deal-breaker (deal attractiveness)
10.25%$1,2371.16−$85Deal-breaker (deal attractiveness)
10.50%$1,2621.14−$111Deal-breaker (deal attractiveness)
10.75%$1,2881.13−$137Deal-breaker (deal attractiveness)
11.00%$1,3141.12−$163Deal-breaker (deal attractiveness)
11.25%$1,3401.10−$189Deal-breaker (deal attractiveness)
11.50%$1,3671.09−$215Deal-breaker (deal attractiveness)
11.75%$1,3931.08−$242Deal-breaker (deal attractiveness)
12.00%$1,4191.07−$268Deal-breaker (deal attractiveness)
$2,570

Starts at RentCast’s estimate from nearby rentals.

  • Inside the likely range of $1,930 to $3,210.
  • At this rent the rent covers the payment 1.2 times or more.
Monthly cash flow at each rent
Likely range (85%)−$1,000−$500$0$500$1,000$2,000$2,500$3,000$0 cash flowRent for DSCR 1.2: $2,289

At this price, a rent of about $2,289 would reach DSCR 1.2.

Show as a table
RentDSCRCash flow/moCash-on-cashFit
$1,8000.90−$500−9.76%Deal-breaker (deal attractiveness)
$1,8480.92−$460−8.98%Deal-breaker (deal attractiveness)
$1,8970.95−$420−8.2%Deal-breaker (deal attractiveness)
$1,9451.00−$332−6.48%Deal-breaker (deal attractiveness)
$1,9941.02−$292−5.7%Deal-breaker (deal attractiveness)
$2,0421.05−$252−4.92%Deal-breaker (deal attractiveness)
$2,0911.07−$212−4.14%Deal-breaker (deal attractiveness)
$2,1391.11−$148−2.9%Deal-breaker (deal attractiveness)
$2,1881.13−$108−2.11%Deal-breaker (deal attractiveness)
$2,2361.16−$68−1.33%Deal-breaker (deal attractiveness)
$2,2841.19−$28−0.55%Deal-breaker (deal attractiveness)
$2,3331.21$120.23%Trade-offs (deal attractiveness)
$2,3811.24$521.02%Trade-offs (deal attractiveness)
$2,4301.27$1042.03%Trade-offs (deal attractiveness)
$2,4781.29$1442.81%Trade-offs (deal attractiveness)
$2,5271.32$1843.59%Trade-offs (deal attractiveness)
$2,5751.34$2244.37%Trade-offs (deal attractiveness)
$2,6231.37$2645.16%Works on all three
$2,6721.40$3045.94%Works on all three
$2,7201.42$3456.72%Works on all three
$2,7691.45$3857.5%Works on all three
$2,8171.47$4258.28%Works on all three
$2,8661.50$4659.07%Works on all three
$2,9141.52$5059.85%Works on all three
$2,9631.55$54510.63%Works on all three
$3,0111.57$58511.41%Works on all three
$3,0591.60$62512.2%Works on all three
$3,1081.62$66512.98%Works on all three
$3,1561.65$70513.76%Works on all three
$3,2051.67$74614.54%Works on all three
$3,2531.70$78615.33%Works on all three
$3,3021.73$82616.11%Works on all three
$3,3501.75$86616.89%Works on all three
8%
  • That’s about 1 month empty a year, or $2,500 of rent you don’t collect.
Monthly cash flow at each vacancy rate
−$200$0$200$400$6000%5%10%15%20%25%$0 cash flow

Each point of vacancy is about $308 a year of rent you don’t collect.

Show as a table
VacancyRent collected/moCash flow/moFit
0%$2,570$405Works on all three
1%$2,544$382Works on all three
2%$2,519$359Works on all three
3%$2,493$336Works on all three
4%$2,467$313Works on all three
5%$2,442$289Works on all three
6%$2,416$266Works on all three
7%$2,390$243Trade-offs (deal attractiveness)
8%$2,364$220Trade-offs (deal attractiveness)
9%$2,339$197Trade-offs (deal attractiveness)
10%$2,313$174Trade-offs (deal attractiveness)
11%$2,287$151Trade-offs (deal attractiveness)
12%$2,262$128Trade-offs (deal attractiveness)
13%$2,236$104Trade-offs (deal attractiveness)
14%$2,210$81Trade-offs (deal attractiveness)
15%$2,185$58Trade-offs (deal attractiveness)
16%$2,159$35Trade-offs (deal attractiveness)
17%$2,133$12Trade-offs (deal attractiveness)
18%$2,107−$11Deal-breaker (deal attractiveness)
19%$2,082−$34Deal-breaker (deal attractiveness)
20%$2,056−$58Deal-breaker (deal attractiveness)
21%$2,030−$81Deal-breaker (deal attractiveness)
22%$2,005−$104Deal-breaker (deal attractiveness)
23%$1,979−$127Deal-breaker (deal attractiveness)
24%$1,953−$150Deal-breaker (deal attractiveness)
25%$1,928−$173Deal-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 $189 to $284 a month here.
5%

That’s about $118 a month.

5%

That’s about $118 a month.

Where each month’s rent goes
$1,908rent $2,570$0
  • 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: $220 a month.

Show as a table
LinePer monthShare of rent
Empty months (vacancy)$2068%
Repairs and big replacements$2369%
Loan payment, taxes, insurance and HOA$1,90874%
Cash flow$2209%
$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, so your cash-on-cash return is 4.29% instead of 5.13%.
Cash-on-cash return at each renovation budget
0%2%4%6%$0$20,000$40,000$60,000$80,000$100,0005% return0% 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$51,520$2205.13%1.34Works on all three
$5,000$56,520$2204.67%1.34Trade-offs (deal attractiveness)
$10,000$61,520$2204.29%1.34Trade-offs (deal attractiveness)
$15,000$66,520$2203.97%1.34Trade-offs (deal attractiveness)
$20,000$71,520$2203.69%1.34Trade-offs (deal attractiveness)
$25,000$76,520$2203.45%1.34Trade-offs (deal attractiveness)
$30,000$81,520$2203.24%1.34Trade-offs (deal attractiveness)
$35,000$86,520$2203.05%1.34Trade-offs (deal attractiveness)
$40,000$91,520$2202.89%1.34Trade-offs (deal attractiveness)
$45,000$96,520$2202.74%1.34Trade-offs (deal attractiveness)
$50,000$101,520$2202.6%1.34Trade-offs (deal attractiveness)
$55,000$106,520$2202.48%1.34Trade-offs (deal attractiveness)
$60,000$111,520$2202.37%1.34Trade-offs (deal attractiveness)
$65,000$116,520$2202.27%1.34Trade-offs (deal attractiveness)
$70,000$121,520$2202.17%1.34Trade-offs (deal attractiveness)
$75,000$126,520$2202.09%1.34Trade-offs (deal attractiveness)
$80,000$131,520$2202.01%1.34Trade-offs (deal attractiveness)
$85,000$136,520$2201.93%1.34Trade-offs (deal attractiveness)
$90,000$141,520$2201.87%1.34Trade-offs (deal attractiveness)
$95,000$146,520$2201.8%1.34Trade-offs (deal attractiveness)
$100,000$151,520$2201.74%1.34Trade-offs (deal attractiveness)

Does the rent cover the loan?

At the starting price of $184,000 with 25% down, the rent of $2,570 a month covers the monthly payment 1.34 times. That’s at or above 1.25, where lenders offer their best pricing.

Monthly payment () at these numbers
What it pays forWhere the number comes fromPer month
Loan payment$138,000 loan at 7.140% over 30 years, at our estimated rate.$931
Property taxesYour tax rate as an investor on $281,110, with no exemptions. See the tax details below.$521
InsuranceOur middle estimate. See the insurance details below.$398
HOA duesFrom the home’s details.$58
Total (PITIA)$1,908
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 $125k–$150k+0.100%
Rent coverage 1.25++0.000%
Estimated rate7.140%
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) = $184,000 × (1 − 25%) = $138,000, a of 75%
Loan payment (principal and interest)
$138,000 at 7.140%, paid off evenly over 30 years = $931 a month
Full monthly payment (PITIA)
$931 + taxes $521 + insurance $398 + HOA $58 = $1,908
DSCR
rent ÷ payment = $2,570 ÷ $1,908 = 1.34 (the full rent, nothing off for empty months, as lenders count it)
Rent you actually collect
rent × (1 − vacancy) = $2,570 × (1 − 8%) = $2,364
Set aside each month
$2,364 × (0% management + 5% repairs + 5% big replacements) = $236
Monthly cash flow
$2,364 − $236 − $1,908 = $220
Cash to close
down payment $46,000 + closing costs 3% ($5,520) + renovation $10,000 = $61,520
Cash-on-cash return
12 × $220 ÷ $61,520 = 4.29% a year

Local details behind the numbers

Your property taxes as an investor

About $6,246 a year ($521 a month) on a taxable value of $281,110 (the county’s market value, which is higher than the starting price of $184,000)

2.22% a year ($2.2221 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 ($273,009) times this home’s rates comes to about $1,640, after their exemptions. You’d pay about $6,246, which is $4,607 more.

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 seller has an over-65 or disability exemption, often with a cap on school taxes. Both end when they sell.
  • The seller has another tax break, like one for veterans. You won’t get it as an investor.
  • After a sale, the county moves the value toward the price you paid.

The and its stay with the seller.

Every local government that taxes this home
Taxing districtKindRate per $100Per year
KLEIN ISDSchool district1.0119 (2026)$2,845
HARRIS COUNTYCounty0.4175 (2026)$1,174
HARRIS CO FLOOD CNTRLFlood control0.0527 (2026)$148
PORT OF HOUSTON AUTHYPort authority0.0060 (2026)$17
HARRIS CO HOSP DISTHospital district0.1953 (2026)$549
HARRIS CO EDUC DEPTCounty education department0.0048 (2025)$13
LONE STAR COLLEGE SYSCommunity college0.1058 (2026)$297
HC WCID 132Utility district (MUD)0.2900 (2025)$815
HC EMERG SRV DIST 28Emergency services district0.1000 (2026)$281
HC EMERG SERV DIST 11Emergency services district0.0381 (2025)$107
Total2.2220$6,246

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 $0.2900 per $100, about $68 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. The county lists it as a developing district, so its rate can rise as it sells more bonds. Ask the seller for the MUD notice they signed when they bought.

Words to know: · · · · ·

Harris County appraisal district account 1053990000012 (17323 TALL CYPRESS, SPRING, 77388), from Harris County’s Truth-in-Taxation record, read Oct 13, 2026. Exemptions on record: homestead, residential homestead (multiple), tax ceiling. This is our estimate. Check it against the seller’s tax statement.

What it could rent for

About $2,570/month likely $1,930 to $3,210

Rough Treat this as a ballpark. Ask a local leasing agent for recent leases before you rely on it. 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.

$1,000$2,000$3,000$4,000$5,000$2,570
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 0.6 miles away, renting for $1,200 to $4,300 (the middle one: $2,685). 8 of them were on the market in the last 90 days.

They rent for about $0.92 per square foot. At this home’s size, that’s about $2,550/month.

How long nearby rentals took to lease

About 36 days (the middle of the rentals that left the market). 5 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 1.4% of the price each month, so the price is about 6 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 · 5 beds · 3 baths · 2,774 sq ft, from the home’s details.

Last sale on record

Feb 24, 2026 for $209,760

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
RentalBeds / bathsSq ftRentPer sq ftDistanceOn the market
4023 Laverock Rd5 / 3.52,934$2,695$0.920.2 miStill listed after 4 days · seen Oct 11, 2026
1723 Big Horn Dr5 / 3.52,892$2,685$0.930.9 miLeft after 29 days · seen Apr 22, 2026
3923 Cypress Lake Dr5 / 3.53,380$3,100$0.920.3 miLeft after 128 days · seen May 5, 2026
18035 Rolling Creek Dr5 / 2.52,240$1,895$0.850.6 miLeft after 8 days · seen Aug 5, 2026
17322 Tall Cypress Dr4 / 2.52,662$1,930$0.730 miLeft after 60 days · seen Jul 8, 2026
17911 Beaver Creek Dr4 / 2.52,852$2,900$1.020.6 miStill listed after 97 days · seen Oct 13, 2026
4018 Cypress Hill Dr4 / 2.52,608$2,800$1.070.2 miStill listed after 20 days · seen Oct 12, 2026
3930 Cypress Hill Dr4 / 2.52,620$2,600$0.990.2 miStill listed after 15 days · seen Oct 12, 2026
17707 Butte Creek Rd4 / 2.52,831$2,400$0.850.9 miStill listed after 7 days · seen Oct 12, 2026
3602 Blue Cypress Dr4 / 2.52,692$2,800$1.040.7 miLeft after 228 days · seen Jun 13, 2026
3603 Shipman Ln4 / 2.52,695$2,750$1.020.8 miLeft after 36 days · seen Apr 27, 2026
1710 Castlerock Dr4 / 3.52,872$4,300$1.500.8 miLeft after 51 days · seen Jul 26, 2026
18330 Ella Blvd4 / 2.52,672$2,250$0.840.8 miLeft after 99 days · seen Oct 1, 2026
17318 Edsall Dr4 / 2.52,535$2,200$0.870.2 miLeft after 30 days · seen Apr 2, 2026
17503 Sorrel Ridge Dr4 / 2.52,522$1,200$0.480.3 miLeft after 3 days · seen Jun 29, 2026

RentCast’s rent estimate, read Oct 13, 2026. Its range for this home is wider than usual.

Insurance you’ll need as a landlord

About $3,584 to $5,974 a year

$398 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 (2,774 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$4,7792,774 sq ft × $175 a sq ft to rebuild = $485,450 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)$1,010Not 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$4,779Range $3,584 to $5,974

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 $9,709 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
$217,500
$213,000
$281,110 for 2026
  • An automated estimate, nudged a little toward the county’s value, read Oct 13, 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 the highest price where the numbers work ($184,000). 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 $217,500.

See the home’s details
Property type
Single-family home
Bedrooms / bathrooms
5 / 3
Living area
2,774 sq ft
Lot
9,199 sq ft
Year built
1972
$58/month
Days on the market
10

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.

Before you rely on these numbers

For this home

  • The verdict uses our standard wording. The AI-written version wasn’t ready, or it didn’t pass our fact check.

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 i29xrv5xwn · 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.

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