Weak
Deal attractiveness
0/100
Your would be −14.2%. You’d lose money on the cash you put in, so it scores 0.
Negative cash flow at these numbers
A typical DSCR lender wouldn’t make this loan as it stands. See Loan health.
DSCR Snapshot
22419 Sawmill Ranch Dr Spring, TX 77389
This is an estimate, not a loan approval.
This report is from Oct 9, 2026. Since then, the asking price, whether it’s still for sale, and rents nearby may have changed.
It takes about 15 seconds. We check that you’re a person first.
At a glance
Your numbers: $459,900 price · 25% down · $2,960 a month rent · 7.915% rate · 8% vacancy · $10,000 renovation in cash Change the numbers
Rent coverage ()
0.72
The rent doesn’t cover the payment
Monthly cash flow
−$1,642
You’d add money each month
$138,772
25% down, closing costs and renovation
−14.2%
A year, on the cash you bring
A deal-breaker: a typical DSCR lender wouldn’t make this loan and the deal loses money each month. With your other settings, no price works on all three. See your maximum offer
Three scores, out of 100
Misses a lender minimum
Loan health
0/100
A typical DSCR lender wouldn’t make this loan as it stands, because of rent that covers less than 0.75 times the payment, where most DSCR lenders stop.
Why this score
- Rent coverage
- 0.72× weak
- Credit score
- 720 strong
- Down payment The loan is 75% of your price.
- 25% strong
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 $194,000, 58% under the asking price. That would be close to impossible to get.
Why this score
This seller may come down about 10%: listed 87 days, one price cut, priced over the estimated home value, the seller sounds open to offers.
How the seller describes it: the price was cut.
Data quality:
Solid Before you rely on these numbers
Our take
At the starting numbers, this home is not a good fit for a DSCR loan. A typical DSCR lender wouldn’t make this loan and the deal loses money each month. The rent covers the monthly payment 0.72 times (DSCR 0.72), and you would put in $1,642 a month after vacancy and reserves.
For the rent to cover the payment 1.2 times, the price would need to be about $194,000, 58% under the asking price. That would be close to impossible to get. A rent of about $4,911 a month would cover the payment 1.2 times, above the likely range of $2,490 to $3,420. The home is in a municipal utility district (MUD): ENCANTO REAL UD adds 0.74% to the tax rate, and the county labels it a developing district whose rate can change. 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 $193,917 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 $193,917 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 |
|---|---|---|---|---|
| $184,000 | 1.22 | $2,426 | $25 | Deal-breaker (negotiation difficulty) |
| $196,938 | 1.18 | $2,492 | −$41 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $209,875 | 1.16 | $2,548 | −$97 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $222,813 | 1.13 | $2,613 | −$162 | Deal-breaker (deal attractiveness, negotiation difficulty) |
| $235,750 | 1.10 | $2,679 | −$228 | Deal-breaker (deal attractiveness) |
| $248,688 | 1.06 | $2,776 | −$325 | Deal-breaker (deal attractiveness) |
| $261,625 | 1.04 | $2,843 | −$393 | Deal-breaker (deal attractiveness) |
| $274,563 | 1.01 | $2,911 | −$460 | Deal-breaker (deal attractiveness) |
| $287,500 | 0.96 | $3,052 | −$601 | Deal-breaker (deal attractiveness) |
| $300,438 | 0.94 | $3,123 | −$672 | Deal-breaker (deal attractiveness) |
| $313,375 | 0.92 | $3,194 | −$743 | Deal-breaker (deal attractiveness) |
| $326,313 | 0.90 | $3,264 | −$813 | Deal-breaker (deal attractiveness) |
| $339,250 | 0.88 | $3,335 | −$884 | Deal-breaker (deal attractiveness) |
| $352,188 | 0.86 | $3,405 | −$955 | Deal-breaker (deal attractiveness) |
| $365,125 | 0.85 | $3,476 | −$1,025 | Deal-breaker (deal attractiveness) |
| $378,063 | 0.83 | $3,547 | −$1,096 | Deal-breaker (deal attractiveness) |
| $391,000 | 0.81 | $3,617 | −$1,166 | Deal-breaker (deal attractiveness) |
| $403,938 | 0.80 | $3,688 | −$1,237 | Deal-breaker (deal attractiveness) |
| $416,875 | 0.78 | $3,762 | −$1,311 | Deal-breaker (deal attractiveness) |
| $429,813 | 0.76 | $3,861 | −$1,410 | Deal-breaker (deal attractiveness) |
| $442,750 | 0.74 | $3,961 | −$1,510 | Deal-breaker (deal attractiveness, loan health) |
| $455,688 | 0.72 | $4,060 | −$1,609 | Deal-breaker (deal attractiveness, loan health) |
| $468,625 | 0.71 | $4,160 | −$1,709 | Deal-breaker (deal attractiveness, loan health) |
| $481,563 | 0.69 | $4,259 | −$1,808 | Deal-breaker (deal attractiveness, loan health) |
| $494,500 | 0.67 | $4,358 | −$1,908 | Deal-breaker (deal attractiveness, loan health) |
| $507,438 | 0.66 | $4,458 | −$2,007 | Deal-breaker (deal attractiveness, loan health) |
| $520,375 | 0.64 | $4,557 | −$2,106 | Deal-breaker (deal attractiveness, loan health) |
| $533,313 | 0.63 | $4,657 | −$2,206 | Deal-breaker (deal attractiveness, loan health) |
| $546,250 | 0.62 | $4,756 | −$2,305 | Deal-breaker (deal attractiveness, loan health) |
| $559,188 | 0.60 | $4,856 | −$2,405 | Deal-breaker (deal attractiveness, loan health) |
| $572,125 | 0.59 | $4,955 | −$2,504 | Deal-breaker (deal attractiveness, loan health) |
| $585,063 | 0.58 | $5,054 | −$2,604 | Deal-breaker (deal attractiveness, loan health) |
| $598,000 | 0.57 | $5,154 | −$2,703 | Deal-breaker (deal attractiveness, loan health) |
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $92,782 | −$2,045 | 0.65 | Deal-breaker (deal attractiveness, loan health) |
| 16% | $97,381 | −$2,010 | 0.66 | Deal-breaker (deal attractiveness, loan health) |
| 17% | $101,980 | −$1,976 | 0.66 | Deal-breaker (deal attractiveness, loan health) |
| 18% | $106,579 | −$1,942 | 0.67 | Deal-breaker (deal attractiveness, loan health) |
| 19% | $111,178 | −$1,907 | 0.67 | Deal-breaker (deal attractiveness, loan health) |
| 20% | $115,777 | −$1,873 | 0.68 | Deal-breaker (deal attractiveness, loan health) |
| 21% | $120,376 | −$1,839 | 0.69 | Deal-breaker (deal attractiveness, loan health) |
| 22% | $124,975 | −$1,805 | 0.69 | Deal-breaker (deal attractiveness, loan health) |
| 23% | $129,574 | −$1,770 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 24% | $134,173 | −$1,736 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 25% | $138,772 | −$1,642 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 26% | $143,371 | −$1,608 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 27% | $147,970 | −$1,575 | 0.73 | Deal-breaker (deal attractiveness, loan health) |
| 28% | $152,569 | −$1,541 | 0.74 | Deal-breaker (deal attractiveness, loan health) |
| 29% | $157,168 | −$1,508 | 0.74 | Deal-breaker (deal attractiveness, loan health) |
| 30% | $161,767 | −$1,446 | 0.75 | Deal-breaker (deal attractiveness) |
| 31% | $166,366 | −$1,413 | 0.76 | Deal-breaker (deal attractiveness) |
| 32% | $170,965 | −$1,380 | 0.77 | Deal-breaker (deal attractiveness) |
| 33% | $175,564 | −$1,347 | 0.77 | Deal-breaker (deal attractiveness) |
| 34% | $180,163 | −$1,314 | 0.78 | Deal-breaker (deal attractiveness) |
| 35% | $184,762 | −$1,255 | 0.79 | Deal-breaker (deal attractiveness) |
| 36% | $189,361 | −$1,223 | 0.80 | Deal-breaker (deal attractiveness) |
| 37% | $193,960 | −$1,190 | 0.81 | Deal-breaker (deal attractiveness) |
| 38% | $198,559 | −$1,157 | 0.82 | Deal-breaker (deal attractiveness) |
| 39% | $203,158 | −$1,124 | 0.82 | Deal-breaker (deal attractiveness) |
| 40% | $207,757 | −$1,092 | 0.83 | Deal-breaker (deal attractiveness) |
| 41% | $212,356 | −$1,059 | 0.84 | Deal-breaker (deal attractiveness) |
| 42% | $216,955 | −$1,026 | 0.85 | Deal-breaker (deal attractiveness) |
| 43% | $221,554 | −$994 | 0.85 | Deal-breaker (deal attractiveness) |
| 44% | $226,153 | −$961 | 0.86 | Deal-breaker (deal attractiveness) |
| 45% | $230,752 | −$928 | 0.87 | Deal-breaker (deal attractiveness) |
| 46% | $235,351 | −$896 | 0.88 | Deal-breaker (deal attractiveness) |
| 47% | $239,950 | −$863 | 0.89 | Deal-breaker (deal attractiveness) |
| 48% | $244,549 | −$830 | 0.90 | Deal-breaker (deal attractiveness) |
| 49% | $249,148 | −$798 | 0.91 | Deal-breaker (deal attractiveness) |
| 50% | $253,747 | −$765 | 0.92 | Deal-breaker (deal attractiveness) |
For this home at this price and rent, most lenders want 30% down or more.
Show as a table
| Down payment | Cash to close | Cash flow/mo | DSCR | Fit |
|---|---|---|---|---|
| 15% | $92,782 | −$2,045 | 0.65 | Deal-breaker (deal attractiveness, loan health) |
| 16% | $97,381 | −$2,010 | 0.66 | Deal-breaker (deal attractiveness, loan health) |
| 17% | $101,980 | −$1,976 | 0.66 | Deal-breaker (deal attractiveness, loan health) |
| 18% | $106,579 | −$1,942 | 0.67 | Deal-breaker (deal attractiveness, loan health) |
| 19% | $111,178 | −$1,907 | 0.67 | Deal-breaker (deal attractiveness, loan health) |
| 20% | $115,777 | −$1,873 | 0.68 | Deal-breaker (deal attractiveness, loan health) |
| 21% | $120,376 | −$1,839 | 0.69 | Deal-breaker (deal attractiveness, loan health) |
| 22% | $124,975 | −$1,805 | 0.69 | Deal-breaker (deal attractiveness, loan health) |
| 23% | $129,574 | −$1,770 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 24% | $134,173 | −$1,736 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 25% | $138,772 | −$1,642 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 26% | $143,371 | −$1,608 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 27% | $147,970 | −$1,575 | 0.73 | Deal-breaker (deal attractiveness, loan health) |
| 28% | $152,569 | −$1,541 | 0.74 | Deal-breaker (deal attractiveness, loan health) |
| 29% | $157,168 | −$1,508 | 0.74 | Deal-breaker (deal attractiveness, loan health) |
| 30% | $161,767 | −$1,446 | 0.75 | Deal-breaker (deal attractiveness) |
| 31% | $166,366 | −$1,413 | 0.76 | Deal-breaker (deal attractiveness) |
| 32% | $170,965 | −$1,380 | 0.77 | Deal-breaker (deal attractiveness) |
| 33% | $175,564 | −$1,347 | 0.77 | Deal-breaker (deal attractiveness) |
| 34% | $180,163 | −$1,314 | 0.78 | Deal-breaker (deal attractiveness) |
| 35% | $184,762 | −$1,255 | 0.79 | Deal-breaker (deal attractiveness) |
| 36% | $189,361 | −$1,223 | 0.80 | Deal-breaker (deal attractiveness) |
| 37% | $193,960 | −$1,190 | 0.81 | Deal-breaker (deal attractiveness) |
| 38% | $198,559 | −$1,157 | 0.82 | Deal-breaker (deal attractiveness) |
| 39% | $203,158 | −$1,124 | 0.82 | Deal-breaker (deal attractiveness) |
| 40% | $207,757 | −$1,092 | 0.83 | Deal-breaker (deal attractiveness) |
| 41% | $212,356 | −$1,059 | 0.84 | Deal-breaker (deal attractiveness) |
| 42% | $216,955 | −$1,026 | 0.85 | Deal-breaker (deal attractiveness) |
| 43% | $221,554 | −$994 | 0.85 | Deal-breaker (deal attractiveness) |
| 44% | $226,153 | −$961 | 0.86 | Deal-breaker (deal attractiveness) |
| 45% | $230,752 | −$928 | 0.87 | Deal-breaker (deal attractiveness) |
| 46% | $235,351 | −$896 | 0.88 | Deal-breaker (deal attractiveness) |
| 47% | $239,950 | −$863 | 0.89 | Deal-breaker (deal attractiveness) |
| 48% | $244,549 | −$830 | 0.90 | Deal-breaker (deal attractiveness) |
| 49% | $249,148 | −$798 | 0.91 | Deal-breaker (deal attractiveness) |
| 50% | $253,747 | −$765 | 0.92 | Deal-breaker (deal attractiveness) |
Show as a table
| Credit score | Estimated rate | Loan payment/mo | DSCR | Fit |
|---|---|---|---|---|
| 620 | 8.31% | $2,607 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 630 | 8.31% | $2,607 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 640 | 8.31% | $2,607 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 650 | 8.31% | $2,607 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 660 | 8.31% | $2,607 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 670 | 8.31% | $2,607 | 0.70 | Deal-breaker (deal attractiveness, loan health) |
| 680 | 8.06% | $2,547 | 0.71 | Deal-breaker (deal attractiveness, loan health) |
| 690 | 8.06% | $2,547 | 0.71 | Deal-breaker (deal attractiveness, loan health) |
| 700 | 7.96% | $2,523 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 710 | 7.96% | $2,523 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 720 | 7.92% | $2,511 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 730 | 7.92% | $2,511 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 740 | 7.87% | $2,499 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 750 | 7.87% | $2,499 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 760 | 7.81% | $2,487 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 770 | 7.81% | $2,487 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 780 | 7.81% | $2,487 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 790 | 7.81% | $2,487 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 800 | 7.81% | $2,487 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 810 | 7.81% | $2,487 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| 820 | 7.81% | $2,487 | 0.72 | Deal-breaker (deal attractiveness, loan health) |
Show as a table
| Rate | Loan payment/mo | DSCR | Cash flow/mo | Fit |
|---|---|---|---|---|
| 5.00% | $1,852 | 0.86 | −$983 | Deal-breaker (deal attractiveness) |
| 5.25% | $1,905 | 0.84 | −$1,036 | Deal-breaker (deal attractiveness) |
| 5.50% | $1,958 | 0.83 | −$1,090 | Deal-breaker (deal attractiveness) |
| 5.75% | $2,013 | 0.82 | −$1,144 | Deal-breaker (deal attractiveness) |
| 6.00% | $2,068 | 0.81 | −$1,199 | Deal-breaker (deal attractiveness) |
| 6.25% | $2,124 | 0.79 | −$1,255 | Deal-breaker (deal attractiveness) |
| 6.50% | $2,180 | 0.78 | −$1,311 | Deal-breaker (deal attractiveness) |
| 6.75% | $2,237 | 0.77 | −$1,368 | Deal-breaker (deal attractiveness) |
| 7.00% | $2,295 | 0.76 | −$1,426 | Deal-breaker (deal attractiveness) |
| 7.25% | $2,353 | 0.75 | −$1,484 | Deal-breaker (deal attractiveness) |
| 7.50% | $2,412 | 0.74 | −$1,543 | Deal-breaker (deal attractiveness, loan health) |
| 7.75% | $2,471 | 0.73 | −$1,602 | Deal-breaker (deal attractiveness, loan health) |
| 8.00% | $2,531 | 0.71 | −$1,662 | Deal-breaker (deal attractiveness, loan health) |
| 8.25% | $2,591 | 0.70 | −$1,722 | Deal-breaker (deal attractiveness, loan health) |
| 8.50% | $2,652 | 0.69 | −$1,783 | Deal-breaker (deal attractiveness, loan health) |
| 8.75% | $2,714 | 0.68 | −$1,845 | Deal-breaker (deal attractiveness, loan health) |
| 9.00% | $2,775 | 0.67 | −$1,906 | Deal-breaker (deal attractiveness, loan health) |
| 9.25% | $2,838 | 0.66 | −$1,969 | Deal-breaker (deal attractiveness, loan health) |
| 9.50% | $2,900 | 0.66 | −$2,031 | Deal-breaker (deal attractiveness, loan health) |
| 9.75% | $2,963 | 0.65 | −$2,095 | Deal-breaker (deal attractiveness, loan health) |
| 10.00% | $3,027 | 0.64 | −$2,158 | Deal-breaker (deal attractiveness, loan health) |
| 10.25% | $3,091 | 0.63 | −$2,222 | Deal-breaker (deal attractiveness, loan health) |
| 10.50% | $3,155 | 0.62 | −$2,286 | Deal-breaker (deal attractiveness, loan health) |
| 10.75% | $3,220 | 0.61 | −$2,351 | Deal-breaker (deal attractiveness, loan health) |
| 11.00% | $3,285 | 0.60 | −$2,416 | Deal-breaker (deal attractiveness, loan health) |
| 11.25% | $3,350 | 0.60 | −$2,481 | Deal-breaker (deal attractiveness, loan health) |
| 11.50% | $3,416 | 0.59 | −$2,547 | Deal-breaker (deal attractiveness, loan health) |
| 11.75% | $3,482 | 0.58 | −$2,613 | Deal-breaker (deal attractiveness, loan health) |
| 12.00% | $3,548 | 0.57 | −$2,679 | Deal-breaker (deal attractiveness, loan health) |
At this price, a rent of about $4,911 would reach DSCR 1.2.
Show as a table
| Rent | DSCR | Cash flow/mo | Cash-on-cash | Fit |
|---|---|---|---|---|
| $2,075 | 0.50 | −$2,374 | −20.53% | Deal-breaker (deal attractiveness, loan health) |
| $2,164 | 0.52 | −$2,301 | −19.9% | Deal-breaker (deal attractiveness, loan health) |
| $2,252 | 0.55 | −$2,228 | −19.26% | Deal-breaker (deal attractiveness, loan health) |
| $2,341 | 0.57 | −$2,154 | −18.63% | Deal-breaker (deal attractiveness, loan health) |
| $2,430 | 0.59 | −$2,081 | −17.99% | Deal-breaker (deal attractiveness, loan health) |
| $2,518 | 0.61 | −$2,008 | −17.36% | Deal-breaker (deal attractiveness, loan health) |
| $2,607 | 0.63 | −$1,934 | −16.72% | Deal-breaker (deal attractiveness, loan health) |
| $2,695 | 0.65 | −$1,861 | −16.09% | Deal-breaker (deal attractiveness, loan health) |
| $2,784 | 0.68 | −$1,787 | −15.46% | Deal-breaker (deal attractiveness, loan health) |
| $2,873 | 0.70 | −$1,714 | −14.82% | Deal-breaker (deal attractiveness, loan health) |
| $2,961 | 0.72 | −$1,641 | −14.19% | Deal-breaker (deal attractiveness, loan health) |
| $3,050 | 0.74 | −$1,567 | −13.55% | Deal-breaker (deal attractiveness, loan health) |
| $3,139 | 0.76 | −$1,494 | −12.92% | Deal-breaker (deal attractiveness) |
| $3,227 | 0.78 | −$1,420 | −12.28% | Deal-breaker (deal attractiveness) |
| $3,316 | 0.81 | −$1,347 | −11.65% | Deal-breaker (deal attractiveness) |
| $3,404 | 0.83 | −$1,274 | −11.01% | Deal-breaker (deal attractiveness) |
| $3,493 | 0.85 | −$1,200 | −10.38% | Deal-breaker (deal attractiveness) |
| $3,582 | 0.87 | −$1,127 | −9.74% | Deal-breaker (deal attractiveness) |
| $3,670 | 0.89 | −$1,054 | −9.11% | Deal-breaker (deal attractiveness) |
| $3,759 | 0.91 | −$980 | −8.48% | Deal-breaker (deal attractiveness) |
| $3,848 | 0.94 | −$907 | −7.84% | Deal-breaker (deal attractiveness) |
| $3,936 | 0.96 | −$833 | −7.21% | Deal-breaker (deal attractiveness) |
| $4,025 | 1.01 | −$641 | −5.54% | Deal-breaker (deal attractiveness) |
| $4,113 | 1.03 | −$568 | −4.91% | Deal-breaker (deal attractiveness) |
| $4,202 | 1.05 | −$494 | −4.28% | Deal-breaker (deal attractiveness) |
| $4,291 | 1.07 | −$421 | −3.64% | Deal-breaker (deal attractiveness) |
| $4,379 | 1.11 | −$289 | −2.5% | Deal-breaker (deal attractiveness) |
| $4,468 | 1.14 | −$216 | −1.87% | Deal-breaker (deal attractiveness) |
| $4,557 | 1.16 | −$142 | −1.23% | Deal-breaker (deal attractiveness) |
| $4,645 | 1.18 | −$69 | −0.6% | Deal-breaker (deal attractiveness) |
| $4,734 | 1.20 | $4 | 0.04% | Trade-offs (deal attractiveness) |
| $4,822 | 1.23 | $78 | 0.67% | Trade-offs (deal attractiveness) |
| $4,911 | 1.26 | $180 | 1.56% | Trade-offs (deal attractiveness) |
Each point of vacancy is about $355 a year of rent you don’t collect.
Show as a table
| Vacancy | Rent collected/mo | Cash flow/mo | Fit |
|---|---|---|---|
| 0% | $2,960 | −$1,429 | Deal-breaker (deal attractiveness, loan health) |
| 1% | $2,930 | −$1,455 | Deal-breaker (deal attractiveness, loan health) |
| 2% | $2,901 | −$1,482 | Deal-breaker (deal attractiveness, loan health) |
| 3% | $2,871 | −$1,508 | Deal-breaker (deal attractiveness, loan health) |
| 4% | $2,842 | −$1,535 | Deal-breaker (deal attractiveness, loan health) |
| 5% | $2,812 | −$1,562 | Deal-breaker (deal attractiveness, loan health) |
| 6% | $2,782 | −$1,588 | Deal-breaker (deal attractiveness, loan health) |
| 7% | $2,753 | −$1,615 | Deal-breaker (deal attractiveness, loan health) |
| 8% | $2,723 | −$1,642 | Deal-breaker (deal attractiveness, loan health) |
| 9% | $2,694 | −$1,668 | Deal-breaker (deal attractiveness, loan health) |
| 10% | $2,664 | −$1,695 | Deal-breaker (deal attractiveness, loan health) |
| 11% | $2,634 | −$1,722 | Deal-breaker (deal attractiveness, loan health) |
| 12% | $2,605 | −$1,748 | Deal-breaker (deal attractiveness, loan health) |
| 13% | $2,575 | −$1,775 | Deal-breaker (deal attractiveness, loan health) |
| 14% | $2,546 | −$1,801 | Deal-breaker (deal attractiveness, loan health) |
| 15% | $2,516 | −$1,828 | Deal-breaker (deal attractiveness, loan health) |
| 16% | $2,486 | −$1,855 | Deal-breaker (deal attractiveness, loan health) |
| 17% | $2,457 | −$1,881 | Deal-breaker (deal attractiveness, loan health) |
| 18% | $2,427 | −$1,908 | Deal-breaker (deal attractiveness, loan health) |
| 19% | $2,398 | −$1,935 | Deal-breaker (deal attractiveness, loan health) |
| 20% | $2,368 | −$1,961 | Deal-breaker (deal attractiveness, loan health) |
| 21% | $2,338 | −$1,988 | Deal-breaker (deal attractiveness, loan health) |
| 22% | $2,309 | −$2,015 | Deal-breaker (deal attractiveness, loan health) |
| 23% | $2,279 | −$2,041 | Deal-breaker (deal attractiveness, loan health) |
| 24% | $2,250 | −$2,068 | Deal-breaker (deal attractiveness, loan health) |
| 25% | $2,220 | −$2,095 | Deal-breaker (deal attractiveness, loan health) |
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 $1,642 a month.
Show as a table
| Line | Per month | Share of rent |
|---|---|---|
| Empty months (vacancy) | $237 | 8% |
| Repairs and big replacements | $272 | 9% |
| Loan payment, taxes, insurance and HOA | $4,093 | 138% |
| Shortfall you’d add | −$1,642 | -55% |
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 | $128,772 | −$1,642 | −15.3% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $5,000 | $133,772 | −$1,642 | −14.73% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $10,000 | $138,772 | −$1,642 | −14.2% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $15,000 | $143,772 | −$1,642 | −13.7% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $20,000 | $148,772 | −$1,642 | −13.24% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $25,000 | $153,772 | −$1,642 | −12.81% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $30,000 | $158,772 | −$1,642 | −12.41% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $35,000 | $163,772 | −$1,642 | −12.03% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $40,000 | $168,772 | −$1,642 | −11.67% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $45,000 | $173,772 | −$1,642 | −11.34% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $50,000 | $178,772 | −$1,642 | −11.02% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $55,000 | $183,772 | −$1,642 | −10.72% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $60,000 | $188,772 | −$1,642 | −10.44% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $65,000 | $193,772 | −$1,642 | −10.17% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $70,000 | $198,772 | −$1,642 | −9.91% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $75,000 | $203,772 | −$1,642 | −9.67% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $80,000 | $208,772 | −$1,642 | −9.44% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $85,000 | $213,772 | −$1,642 | −9.22% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $90,000 | $218,772 | −$1,642 | −9% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $95,000 | $223,772 | −$1,642 | −8.8% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
| $100,000 | $228,772 | −$1,642 | −8.61% | 0.72 | Deal-breaker (deal attractiveness, loan health) |
Does the rent cover the loan?
At the asking price of $459,900 with 25% down, the rent of $2,960 a month covers the monthly payment 0.72 times. The rent doesn’t cover the monthly payment. Most lenders would want a lower price or more money down.
0.601.001.201.40
| What it pays for | Where the number comes from | Per month |
|---|---|---|
| Loan payment | $344,925 loan at 7.915% over 30 years, at our estimated rate. | $2,511 |
| Property taxes | Your tax rate as an investor on $459,900, with no exemptions. See the tax details below. | $1,024 |
| Insurance | Our middle estimate. See the insurance details below. | $475 |
| HOA dues | From the home’s details. | $83 |
| Total (PITIA) | $4,093 |
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 $150k+ | +0.000% |
| Rent coverage 0.75–0.99 | +0.875% |
| Estimated rate | 7.915% |
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 $193,917 at this rent (taxes stay at the county’s value, which is higher than that price), or a rent of about $4,911 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 $176,669, it would reach 1.25.
Show me the math
- Loan
- price × (1 − down payment) = $459,900 × (1 − 25%) = $344,925, a of 75%
- Loan payment (principal and interest)
- $344,925 at 7.915%, paid off evenly over 30 years = $2,511 a month
- Full monthly payment (PITIA)
- $2,511 + taxes $1,024 + insurance $475 + HOA $83 = $4,093
- DSCR
- rent ÷ payment = $2,960 ÷ $4,093 = 0.72 (the full rent, nothing off for empty months, as lenders count it)
- Rent you actually collect
- rent × (1 − vacancy) = $2,960 × (1 − 8%) = $2,723
- Set aside each month
- $2,723 × (0% management + 5% repairs + 5% big replacements) = $272
- Monthly cash flow
- $2,723 − $272 − $4,093 = −$1,642
- Cash to close
- down payment $114,975 + closing costs 3% ($13,797) + renovation $10,000 = $138,772
- Cash-on-cash return
- 12 × −$1,642 ÷ $138,772 = −14.2% a year
Local details behind the numbers
Your property taxes as an investor
About $12,289 a year ($1,024 a month) on a taxable value of $459,900 (the asking price)
2.67% a year ($2.6721 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 ($432,916) times this home’s rates comes to about $9,368, after their exemptions. You’d pay about $12,289, which is $2,920 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.
- After a sale, the county moves the value toward the price you paid.
The and its stay with the seller.
| Taxing district | Kind | Rate per $100 | Per year |
|---|---|---|---|
| KLEIN ISD | School district | 1.0119 (2026) | $4,654 |
| HARRIS COUNTY | County | 0.4175 (2026) | $1,920 |
| HARRIS CO FLOOD CNTRL | Flood control | 0.0527 (2026) | $242 |
| PORT OF HOUSTON AUTHY | Port authority | 0.0060 (2026) | $28 |
| HARRIS CO HOSP DIST | Hospital district | 0.1953 (2026) | $898 |
| HARRIS CO EDUC DEPT | County education department | 0.0048 (2025) | $22 |
| LONE STAR COLLEGE SYS | Community college | 0.1058 (2026) | $487 |
| ENCANTO REAL UD | Utility district (MUD) | 0.7400 (2025) | $3,403 |
| HC EMERG SRV DIST 7 | Emergency services district | 0.1000 (2026) | $460 |
| HC EMERG SERV DIST 11 | Emergency services district | 0.0381 (2025) | $175 |
| Total | 2.6721 | $12,289 |
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 $0.7400 per $100, about $284 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 1359040020010 (22419 SAWMILL RANCH, SPRING, 77389), from Harris County’s Truth-in-Taxation record, read Oct 9, 2026. Exemptions on record: homestead. This is our estimate. Check it against the seller’s tax statement.
What it could rent for
About $2,960/month likely $2,490 to $3,420
Fair A good starting point. Check it against a recent lease nearby. 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.
The rentals it compared
15 homes, usually 0.8 miles away, renting for $2,295 to $4,200 (the middle one: $2,850). 8 of them were on the market in the last 90 days.
They rent for about $0.94 per square foot. At this home’s size, that’s about $3,125/month.
How long nearby rentals took to lease
About 30 days (the middle of the rentals that left the market). 3 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 0.64% of the price each month, so the price is about 12.9 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 · 4 beds · 4 baths · 3,308 sq ft, from the home’s details.
Last sale on record
May 19, 2016
Texas doesn’t make sale prices public, so the price isn’t on record.
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 |
|---|---|---|---|---|---|---|
| 4814 Preserve Creek Ct, Unit 1 | 4 / 4 | 3,250 | $2,950 | $0.91 | 1.1 mi | Left after 40 days · seen Jul 7, 2026 |
| 21727 Tinsley Trl | 4 / 3.5 | 3,212 | $2,295 | $0.71 | 0.6 mi | Left after 1,394 days · seen Jul 14, 2026 |
| 22023 Flashing Ridge Dr | 4 / 3.5 | 3,021 | $2,640 | $0.87 | 0.4 mi | Left after 11 days · seen Feb 13, 2026 |
| 22015 Rustling Springs Dr | 4 / 4.5 | 2,985 | $3,100 | $1.04 | 0.4 mi | Still listed after 2 days · seen Oct 8, 2026 |
| 4407 Greenleaf Dr | 4 / 3.5 | 3,049 | $2,550 | $0.84 | 0.9 mi | Left after 15 days · seen Feb 4, 2026 |
| 21331 Parham Cir | 4 / 3.5 | 3,069 | $2,900 | $0.94 | 1.1 mi | Left after 19 days · seen Jun 15, 2026 |
| 5006 Sawmill Timber Dr | 4 / 3 | 3,142 | $3,500 | $1.11 | 0.1 mi | Left after 30 days · seen Sep 16, 2026 |
| 22519 Birch Ridge Meadow Dr | 4 / 3 | 3,146 | $2,650 | $0.84 | 0.1 mi | Left after 56 days · seen Sep 16, 2026 |
| 21406 Snow Goose Ct | 4 / 3.5 | 2,942 | $2,800 | $0.95 | 0.9 mi | Still listed after 20 days · seen Oct 8, 2026 |
| 23034 Creek Park Dr | 4 / 3.5 | 2,875 | $3,250 | $1.13 | 0.7 mi | Left after 34 days · seen Jun 13, 2026 |
| 5227 Preserve Park Dr | 4 / 3.5 | 3,786 | $4,200 | $1.11 | 1 mi | Left after 10 days · seen Jun 18, 2026 |
| 22418 Bridgestone Ridge Dr | 4 / 3.5 | 2,845 | $2,395 | $0.84 | 1.1 mi | Left after 56 days · seen Jul 15, 2026 |
| 22407 Ebbets Field Dr | 4 / 3.5 | 2,778 | $2,800 | $1.01 | 0.8 mi | Still listed after 56 days · seen Oct 8, 2026 |
| 22019 Flashing Ridge Dr | 4 / 3 | 2,982 | $2,850 | $0.96 | 0.4 mi | Left after 19 days · seen Feb 28, 2026 |
| 5934 Beeston Hall Ct | 4 / 3.5 | 3,998 | $3,500 | $0.88 | 1 mi | Left after 36 days · seen Aug 15, 2026 |
RentCast’s rent estimate, read Oct 9, 2026.
Insurance you’ll need as a landlord
About $4,274 to $7,124 a year
$475 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 (3,308 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 | $5,699 | 3,308 sq ft × $175 a sq ft to rebuild = $578,900 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) | $853 | 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 | $5,699 | Range $4,274 to $7,124 |
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 $11,578 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 9, 2026. Get a real landlord policy quote before you make an offer.
What it’s worth
- Asking price
- $459,900
- $450,900
- $415,403 for 2026
- An automated estimate, nudged a little toward the county’s value, read Oct 9, 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 asking price ($459,900). 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 $459,900.
See the home’s details
- Property type
- Single-family home
- Bedrooms / bathrooms
- 4 / 4
- Living area
- 3,308 sq ft
- Lot
- 7,618 sq ft
- Year built
- 2015
- $83/month
- Days on the market
- 87
- Latest price change
- Cut by $18,100 on Aug 19, 2026
Homes that sit longer often leave more room to negotiate on price.
Home details read Oct 9, 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.
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 atfrfgivka · created Oct 9, 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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