DSCR report
Single-family home · 3 bd · 2 ba · 1,691 sq ft · built 2005
Address as you typed it, matched on the U.S. Census Bureau’s map Oct 7, 2026.
This is an estimate, not a loan approval.
They move with the sliders below. Change the price or the rent, and the scores follow.
Weak
1/100
Your would be −11.5%. That beats 1% of the deals with positive cash flow in our starting sample.
Negative cash flow at these numbers
What moves it: the price you pay, the rent, your down payment, and the tax and insurance costs.
“Starting sample” means fewer than 30 deals with positive cash flow have been checked here so far. Until then, the comparison uses our estimate of typical returns in Greater Houston.
Tough terms
29/100
How good the loan terms would likely be, and how many lenders would make this loan:
When the rent doesn’t cover the payment, most DSCR lenders cap the loan at 70% of the price. At 25% down, only a few lenders would likely make this loan. Putting 30% down opens it to most lenders. So does a price or rent where the rent covers the payment.
What moves it: how many times the rent covers the payment, your credit score and how much you put down. It also asks how many DSCR lenders would make this loan. Most want more down when the rent doesn’t cover the payment or your credit score is lower. Paying well over the estimated home value can hurt too, because lenders lend on the price or the appraisal, whichever is lower. A 0 means the loan misses a lender minimum.
Hard
62/100
Your price matches the estimated home value.
The owner hasn’t listed it. Owners who aren’t selling usually want at least full value.
The rent covers the payment 1.2 times at about $140,000, 44% under the estimated home value. Getting that price would be close to impossible.
What moves it: your price compared with the asking price, or with the estimated home value when the home isn’t for sale. Also who is selling, how long it’s been listed, price cuts, and how the seller describes it.
Data quality: Fair Some facts are estimated or not confirmed. See “Before you rely on these numbers” near the end.
21646 Karpathos Ln is a single-family home in Spring (Harris County), 3 bedrooms, 2 bathrooms, 1,691 sq ft, built 2005, not currently listed for sale. Starting from the estimated home value of $252,700, the rent estimate is $1,920 a month ($1,790 to $2,050, from 15 nearby rentals). With 25% ($63,175) down at 7.92%, the monthly payment with taxes, insurance and HOA comes to $2,267, so the rent covers the monthly payment 0.84 times (DSCR 0.84) — under 1.0, so the rent does not cover the monthly payment. You would put in $678 a month after vacancy and reserves: a cash-on-cash return of -11.5% a year on about $70,756 to close.
The home is in a municipal utility district (MUD): BRIDGESTONE MUD adds 0.49% to the tax rate, and the county labels it a developing district whose rate can change. The seller's tax bill of $6,487 (2025) is lower than an investor's estimated $6,615 a year, because exemptions and caps do not transfer. Rents in Greater Houston have been flat, so the numbers assume 8% vacancy and no rent growth.
To reach DSCR 1.2 it would take a price of about $140,341 or a rent of about $2,721 a month. Before making an offer, ask a local leasing agent what homes like this one have actually leased for. These are estimates, not quotes.
Our standard write-up of this report’s numbers.
Move a slider and every number on this page updates, the scores too. Each chart shows what that one setting changes while the others stay the same.
At this rent, the rent covers the payment 1.2 times at a price of about $140,341 (taxes stay at the county’s value, which is higher than that price). Most good DSCR deals are bought below the estimated value. In the shaded part, the price is well over the estimated value. A lender lends on the lower of the price and the appraisal, so you may need more cash there.
| Price | DSCR | Payment/mo | Cash flow/mo |
|---|---|---|---|
| $140,341 | 1.18 | $1,614 | −$25 |
| $146,237 | 1.16 | $1,645 | −$55 |
| $152,133 | 1.14 | $1,675 | −$86 |
| $158,028 | 1.12 | $1,706 | −$116 |
| $163,924 | 1.10 | $1,736 | −$147 |
| $169,819 | 1.07 | $1,780 | −$190 |
| $175,715 | 1.06 | $1,811 | −$221 |
| $181,610 | 1.04 | $1,842 | −$252 |
| $187,506 | 1.02 | $1,873 | −$283 |
| $193,402 | 1.00 | $1,904 | −$314 |
| $199,297 | 0.96 | $1,986 | −$397 |
| $205,193 | 0.95 | $2,008 | −$418 |
| $211,088 | 0.94 | $2,040 | −$451 |
| $216,984 | 0.92 | $2,073 | −$483 |
| $222,880 | 0.91 | $2,105 | −$515 |
| $228,775 | 0.89 | $2,137 | −$547 |
| $234,671 | 0.88 | $2,169 | −$579 |
| $240,566 | 0.87 | $2,201 | −$611 |
| $246,462 | 0.85 | $2,233 | −$644 |
| $252,357 | 0.84 | $2,266 | −$676 |
| $258,253 | 0.83 | $2,298 | −$708 |
| $264,149 | 0.82 | $2,330 | −$740 |
| $270,044 | 0.81 | $2,362 | −$772 |
| $275,940 | 0.79 | $2,400 | −$810 |
| $281,835 | 0.78 | $2,444 | −$854 |
| $287,731 | 0.77 | $2,488 | −$898 |
| $293,627 | 0.75 | $2,532 | −$943 |
| $299,522 | 0.74 | $2,576 | −$987 |
| $305,418 | 0.73 | $2,620 | −$1,031 |
| $311,313 | 0.72 | $2,665 | −$1,075 |
| $317,209 | 0.70 | $2,709 | −$1,119 |
| $323,104 | 0.69 | $2,753 | −$1,163 |
| $329,000 | 0.68 | $2,797 | −$1,207 |
More down means more of your cash goes in at closing (the down payment plus closing costs).
| Down payment | Cash to close | Cash flow/mo | DSCR |
|---|---|---|---|
| 15% | $45,486 | −$899 | 0.77 |
| 16% | $48,013 | −$880 | 0.77 |
| 17% | $50,540 | −$861 | 0.78 |
| 18% | $53,067 | −$843 | 0.78 |
| 19% | $55,594 | −$824 | 0.79 |
| 20% | $58,121 | −$805 | 0.80 |
| 21% | $60,648 | −$786 | 0.80 |
| 22% | $63,175 | −$767 | 0.81 |
| 23% | $65,702 | −$748 | 0.82 |
| 24% | $68,229 | −$730 | 0.82 |
| 25% | $70,756 | −$678 | 0.84 |
| 26% | $73,283 | −$659 | 0.85 |
| 27% | $75,810 | −$641 | 0.86 |
| 28% | $78,337 | −$623 | 0.86 |
| 29% | $80,864 | −$604 | 0.87 |
| 30% | $83,391 | −$570 | 0.88 |
| 31% | $85,918 | −$552 | 0.89 |
| 32% | $88,445 | −$534 | 0.90 |
| 33% | $90,972 | −$516 | 0.91 |
| 34% | $93,499 | −$498 | 0.91 |
| 35% | $96,026 | −$465 | 0.93 |
| 36% | $98,553 | −$447 | 0.94 |
| 37% | $101,080 | −$429 | 0.95 |
| 38% | $103,607 | −$412 | 0.95 |
| 39% | $106,134 | −$394 | 0.96 |
| 40% | $108,661 | −$324 | 1.00 |
| 41% | $111,188 | −$317 | 1.00 |
| 42% | $113,715 | −$300 | 1.01 |
| 43% | $116,242 | −$282 | 1.02 |
| 44% | $118,769 | −$265 | 1.03 |
| 45% | $121,296 | −$248 | 1.04 |
| 46% | $123,823 | −$231 | 1.05 |
| 47% | $126,350 | −$213 | 1.06 |
| 48% | $128,877 | −$196 | 1.07 |
| 49% | $131,404 | −$179 | 1.08 |
| 50% | $133,931 | −$140 | 1.10 |
It also means a smaller loan, so a smaller payment and more cash flow each month. The trade-off is yours. Most DSCR lenders want at least 20% down, and for this home at this price and rent most want 30% or more (the marked line).
| Down payment | Cash to close | Cash flow/mo | DSCR |
|---|---|---|---|
| 15% | $45,486 | −$899 | 0.77 |
| 16% | $48,013 | −$880 | 0.77 |
| 17% | $50,540 | −$861 | 0.78 |
| 18% | $53,067 | −$843 | 0.78 |
| 19% | $55,594 | −$824 | 0.79 |
| 20% | $58,121 | −$805 | 0.80 |
| 21% | $60,648 | −$786 | 0.80 |
| 22% | $63,175 | −$767 | 0.81 |
| 23% | $65,702 | −$748 | 0.82 |
| 24% | $68,229 | −$730 | 0.82 |
| 25% | $70,756 | −$678 | 0.84 |
| 26% | $73,283 | −$659 | 0.85 |
| 27% | $75,810 | −$641 | 0.86 |
| 28% | $78,337 | −$623 | 0.86 |
| 29% | $80,864 | −$604 | 0.87 |
| 30% | $83,391 | −$570 | 0.88 |
| 31% | $85,918 | −$552 | 0.89 |
| 32% | $88,445 | −$534 | 0.90 |
| 33% | $90,972 | −$516 | 0.91 |
| 34% | $93,499 | −$498 | 0.91 |
| 35% | $96,026 | −$465 | 0.93 |
| 36% | $98,553 | −$447 | 0.94 |
| 37% | $101,080 | −$429 | 0.95 |
| 38% | $103,607 | −$412 | 0.95 |
| 39% | $106,134 | −$394 | 0.96 |
| 40% | $108,661 | −$324 | 1.00 |
| 41% | $111,188 | −$317 | 1.00 |
| 42% | $113,715 | −$300 | 1.01 |
| 43% | $116,242 | −$282 | 1.02 |
| 44% | $118,769 | −$265 | 1.03 |
| 45% | $121,296 | −$248 | 1.04 |
| 46% | $123,823 | −$231 | 1.05 |
| 47% | $126,350 | −$213 | 1.06 |
| 48% | $128,877 | −$196 | 1.07 |
| 49% | $131,404 | −$179 | 1.08 |
| 50% | $133,931 | −$140 | 1.10 |
Lenders change the rate in steps as your credit score moves, and the payment follows. Most DSCR lenders need at least 660.
| Credit score | Estimated rate | Loan payment/mo | DSCR |
|---|---|---|---|
| 620 | 8.31% | $1,433 | 0.82 |
| 630 | 8.31% | $1,433 | 0.82 |
| 640 | 8.31% | $1,433 | 0.82 |
| 650 | 8.31% | $1,433 | 0.82 |
| 660 | 8.31% | $1,433 | 0.82 |
| 670 | 8.31% | $1,433 | 0.82 |
| 680 | 8.06% | $1,399 | 0.83 |
| 690 | 8.06% | $1,399 | 0.83 |
| 700 | 7.96% | $1,386 | 0.84 |
| 710 | 7.96% | $1,386 | 0.84 |
| 720 | 7.92% | $1,379 | 0.84 |
| 730 | 7.92% | $1,379 | 0.84 |
| 740 | 7.87% | $1,373 | 0.84 |
| 750 | 7.87% | $1,373 | 0.84 |
| 760 | 7.81% | $1,366 | 0.85 |
| 770 | 7.81% | $1,366 | 0.85 |
| 780 | 7.81% | $1,366 | 0.85 |
| 790 | 7.81% | $1,366 | 0.85 |
| 800 | 7.81% | $1,366 | 0.85 |
| 810 | 7.81% | $1,366 | 0.85 |
| 820 | 7.81% | $1,366 | 0.85 |
Every quarter point of rate changes the payment. Our estimate is a starting point; a real lender’s quote will differ.
| Rate | Loan payment/mo | DSCR | Cash flow/mo |
|---|---|---|---|
| 5.00% | $1,017 | 1.00 | −$316 |
| 5.25% | $1,047 | 0.99 | −$345 |
| 5.50% | $1,076 | 0.97 | −$374 |
| 5.75% | $1,106 | 0.96 | −$404 |
| 6.00% | $1,136 | 0.94 | −$435 |
| 6.25% | $1,167 | 0.93 | −$465 |
| 6.50% | $1,198 | 0.92 | −$496 |
| 6.75% | $1,229 | 0.90 | −$528 |
| 7.00% | $1,261 | 0.89 | −$559 |
| 7.25% | $1,293 | 0.88 | −$591 |
| 7.50% | $1,325 | 0.86 | −$623 |
| 7.75% | $1,358 | 0.85 | −$656 |
| 8.00% | $1,391 | 0.84 | −$689 |
| 8.25% | $1,424 | 0.83 | −$722 |
| 8.50% | $1,457 | 0.81 | −$756 |
| 8.75% | $1,491 | 0.80 | −$789 |
| 9.00% | $1,525 | 0.79 | −$823 |
| 9.25% | $1,559 | 0.78 | −$857 |
| 9.50% | $1,594 | 0.77 | −$892 |
| 9.75% | $1,628 | 0.76 | −$927 |
| 10.00% | $1,663 | 0.75 | −$961 |
| 10.25% | $1,698 | 0.74 | −$997 |
| 10.50% | $1,734 | 0.73 | −$1,032 |
| 10.75% | $1,769 | 0.72 | −$1,067 |
| 11.00% | $1,805 | 0.71 | −$1,103 |
| 11.25% | $1,841 | 0.70 | −$1,139 |
| 11.50% | $1,877 | 0.69 | −$1,175 |
| 11.75% | $1,913 | 0.68 | −$1,211 |
| 12.00% | $1,949 | 0.67 | −$1,248 |
The shaded band is where RentCast expects the rent to land 85% of the time. At this price, a rent of about $2,721 would reach DSCR 1.2. Lenders count the lower of your signed lease and the appraiser’s rent estimate.
| Rent | DSCR | Cash flow/mo | Cash-on-cash |
|---|---|---|---|
| $1,350 | 0.59 | −$1,150 | −19.5% |
| $1,393 | 0.61 | −$1,114 | −18.9% |
| $1,436 | 0.63 | −$1,079 | −18.3% |
| $1,479 | 0.65 | −$1,043 | −17.69% |
| $1,521 | 0.67 | −$1,008 | −17.09% |
| $1,564 | 0.68 | −$972 | −16.49% |
| $1,607 | 0.70 | −$937 | −15.89% |
| $1,650 | 0.72 | −$901 | −15.29% |
| $1,693 | 0.74 | −$866 | −14.69% |
| $1,736 | 0.76 | −$830 | −14.08% |
| $1,778 | 0.78 | −$795 | −13.48% |
| $1,821 | 0.80 | −$759 | −12.88% |
| $1,864 | 0.82 | −$724 | −12.28% |
| $1,907 | 0.84 | −$689 | −11.68% |
| $1,950 | 0.85 | −$653 | −11.08% |
| $1,993 | 0.87 | −$618 | −10.47% |
| $2,035 | 0.89 | −$582 | −9.87% |
| $2,078 | 0.91 | −$547 | −9.27% |
| $2,121 | 0.93 | −$511 | −8.67% |
| $2,164 | 0.95 | −$476 | −8.07% |
| $2,207 | 1.00 | −$375 | −6.36% |
| $2,250 | 1.02 | −$339 | −5.76% |
| $2,293 | 1.04 | −$304 | −5.16% |
| $2,335 | 1.06 | −$268 | −4.55% |
| $2,378 | 1.07 | −$233 | −3.95% |
| $2,421 | 1.11 | −$165 | −2.8% |
| $2,464 | 1.13 | −$130 | −2.2% |
| $2,507 | 1.15 | −$94 | −1.6% |
| $2,550 | 1.17 | −$59 | −1% |
| $2,592 | 1.19 | −$23 | −0.4% |
| $2,635 | 1.21 | $12 | 0.2% |
| $2,678 | 1.23 | $47 | 0.81% |
| $2,721 | 1.26 | $99 | 1.68% |
Each point of vacancy is about $230 a year of rent you don’t collect. One empty month a year is about 8%.
| Vacancy | Rent collected/mo | Cash flow/mo |
|---|---|---|
| 0% | $1,920 | −$539 |
| 1% | $1,901 | −$557 |
| 2% | $1,882 | −$574 |
| 3% | $1,862 | −$591 |
| 4% | $1,843 | −$609 |
| 5% | $1,824 | −$626 |
| 6% | $1,805 | −$643 |
| 7% | $1,786 | −$660 |
| 8% | $1,766 | −$678 |
| 9% | $1,747 | −$695 |
| 10% | $1,728 | −$712 |
| 11% | $1,709 | −$730 |
| 12% | $1,690 | −$747 |
| 13% | $1,670 | −$764 |
| 14% | $1,651 | −$781 |
| 15% | $1,632 | −$799 |
| 16% | $1,613 | −$816 |
| 17% | $1,594 | −$833 |
| 18% | $1,574 | −$851 |
| 19% | $1,555 | −$868 |
| 20% | $1,536 | −$885 |
| 21% | $1,517 | −$902 |
| 22% | $1,498 | −$920 |
| 23% | $1,478 | −$937 |
| 24% | $1,459 | −$954 |
| 25% | $1,440 | −$971 |
The payment and set-asides add up to more than the rent, so you’d add about $678 a month.
| Line | Per month | Share of rent |
|---|---|---|
| Empty months (vacancy) | $154 | 8% |
| Repairs and big replacements | $177 | 9% |
| Loan payment, taxes, insurance and HOA | $2,267 | 118% |
| Shortfall you’d add | −$678 | -35% |
0.84
At the estimated home value of $252,700 with 25% down, the rent of $1,920 a month covers the monthly payment 0.84 times. The rent doesn’t cover the monthly payment. Most lenders would want a lower price or more money down.
is the test a DSCR lender uses: the monthly rent ÷ the full monthly payment, called . Lenders use the full rent here, with nothing taken off for empty months. At 1.00 the rent just covers the payment. Most lenders want 1.2 or more, and 1.25 or more gets the best rate.
| What it pays for | Where the number comes from | Per month |
|---|---|---|
| Loan payment | $189,525 loan at 7.915% over 30 years, at our estimated rate. | $1,379 |
| Property taxes | Your tax rate as an investor on $273,129, with no exemptions. See the tax details below. | $551 |
| Insurance | Our middle estimate. See the insurance details below. | $243 |
| HOA dues | From the home’s details. | $94 |
| Total (PITIA) | $2,267 |
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% |
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.
−$678
You’d add money each month
−$8,133 a year. This is the rent you’d collect after 8% vacancy (about 1 empty month a year). Then we take off 10% for repairs and big replacements, and the monthly payment. Lenders ignore vacancy and set-asides. You shouldn’t.
$70,756
25% down ($63,175) plus about 3% for closing costs and lender fees ($7,581). Lenders often also want 6 months of payments in savings ($13,605), not counted here.
−11.49%
Your cash flow for a year divided by the cash you bring to closing. It’s the return on your own money. It leaves out any rise in the home’s value and any tax effects.
A price of about $140,341 at this rent (taxes stay at the county’s value, which is higher than that price), or a rent of about $2,721 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 $129,338, it would reach 1.25.
About $6,615 a year ($551 a month) on a taxable value of $273,129 (the county’s market value, which is higher than the estimated home value of $252,700)
2.42% a year ($2.4221 per $100, 2026 rates, with some districts still on last year’s rate)
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.
Last year’s value ($273,129) times this home’s rates comes to about $6,487, before any exemptions, so their real bill is lower. You’d pay about $6,615, which is $129 more.
| Taxing district | Kind | Rate per $100 | Per year |
|---|---|---|---|
| KLEIN ISD | School district | 1.0119 (2026) | $2,764 |
| HARRIS COUNTY | County | 0.4175 (2026) | $1,140 |
| HARRIS CO FLOOD CNTRL | Flood control | 0.0527 (2026) | $144 |
| PORT OF HOUSTON AUTHY | Port authority | 0.0060 (2026) | $16 |
| HARRIS CO HOSP DIST | Hospital district | 0.1953 (2026) | $533 |
| HARRIS CO EDUC DEPT | County education department | 0.0048 (2025) | $13 |
| LONE STAR COLLEGE SYS | Community college | 0.1058 (2026) | $289 |
| BRIDGESTONE MUD | Utility district (MUD) | 0.4900 (2025) | $1,338 |
| HC EMERG SRV DIST 7 | Emergency services district | 0.1000 (2026) | $273 |
| HC EMERG SERV DIST 11 | Emergency services district | 0.0381 (2025) | $104 |
| Total | 2.4221 | $6,615 |
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 $0.4900 per $100, about $112 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.
Harris County appraisal district account 1233610020012 (21646 KARPATHOS, SPRING, 77388), from Harris County’s Truth-in-Taxation record, read Oct 7, 2026. Exemptions on record: none. This is an estimate, not a tax bill. Check it against the seller’s tax statement.
Words to know: · · · · ·
About $1,920/month likely $1,790 to $2,050
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.
Solid The range is tight, and the rentals it compared are close by and similar.
15 homes, usually 0.8 miles away, renting for $1,750 to $2,200 (the middle one: $1,875). 6 of them were on the market in the last 90 days.
They rent for about $1.11 per square foot. At this home’s size, that’s about $1,880/month.
About 28 days (the middle of the rentals that left the market). 1 of the 15 is 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.
The rent is 0.76% of the price each month, so the price is about 11 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, not a lender test. The DSCR, taxes and insurance decide whether a deal works.
Single Family · 3 beds · 2 baths · 1,691 sq ft, from the home’s details.
Jun 5, 2012
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 .
| Rental | Beds / baths | Sq ft | Rent | Per sq ft | Distance | On the market |
|---|---|---|---|---|---|---|
| 21530 Falvel Lake Dr | 3 / 2 | 1,698 | $2,100 | $1.24 | 0.8 mi | Left after 64 days · seen Oct 2, 2026 |
| 21623 Crescent Heights St | 3 / 2 | 1,686 | $1,875 | $1.11 | 0.9 mi | Left after 46 days · seen Mar 9, 2026 |
| 4806 Temple Bell Dr | 3 / 2 | 1,662 | $1,800 | $1.08 | 0.7 mi | Left after 13 days · seen May 15, 2026 |
| 21822 Grassy Hill Ln | 3 / 2 | 1,680 | $1,795 | $1.07 | 0.9 mi | Left after 43 days · seen Aug 31, 2026 |
| 21731 Nickerton Ln | 3 / 2 | 1,662 | $1,899 | $1.14 | 0.8 mi | Still listed after 8 days · seen Oct 8, 2026 |
| 21730 Castlemont Ln | 3 / 2 | 1,662 | $1,750 | $1.05 | 0.8 mi | Left after 26 days · seen Mar 9, 2026 |
| 4523 Stallion Brook Ln | 3 / 2 | 1,662 | $1,875 | $1.13 | 0.9 mi | Left after 29 days · seen Sep 22, 2026 |
| 4815 Diehlwood Pl | 3 / 2 | 1,662 | $1,849 | $1.11 | 0.9 mi | Left after 8 days · seen May 23, 2026 |
| 4922 Bridgemont Ln | 3 / 2 | 1,662 | $1,850 | $1.11 | 1 mi | Left after 17 days · seen Jun 30, 2026 |
| 21615 Rainfall Park Dr | 3 / 2 | 1,754 | $2,200 | $1.25 | 0.7 mi | Left after 11 days · seen Jul 17, 2026 |
| 21718 Grassy Hill Ln | 3 / 2 | 1,632 | $2,200 | $1.35 | 0.9 mi | Left after 83 days · seen Aug 24, 2026 |
| 22227 Ebbets Field Dr | 3 / 2 | 1,787 | $1,900 | $1.06 | 0.7 mi | Left after 47 days · seen Jan 14, 2026 |
| 4831 Owens Creek Ln | 3 / 2 | 1,622 | $1,830 | $1.13 | 1 mi | Left after 26 days · seen Apr 10, 2026 |
| 5322 Ringneck Glen Dr | 3 / 2 | 1,558 | $2,000 | $1.28 | 0.5 mi | Left after 12 days · seen May 13, 2026 |
| 4710 Shane Creek Ln | 3 / 2 | 1,821 | $1,895 | $1.04 | 0.6 mi | Left after 35 days · seen May 29, 2026 |
RentCast’s rent estimate, read Oct 9, 2026.
About $2,185 to $3,641 a year
$243 a month goes into the payment estimate.
Lenders want a with . We priced it from the Texas Department of Insurance’s 2025 county averages, sized to this home (1,691 sq ft). Prices vary a lot by ZIP code, roof age and claims history, so this is a range, not a quote.
| Policy | Per year | How we estimated it |
|---|---|---|
| Home | $2,913 | 1,691 sq ft × $175 a sq ft to rebuild = $295,925 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) | $1,010 | 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 | $2,913 | Range $2,185 to $3,641 |
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 $5,919 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 estimates from a model, not quotes. 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.
Not for sale right now. Many investor deals start as a conversation with an owner whose home isn’t listed.
This is the seller’s bill, not yours. As an investor you’ll likely pay more: their homestead exemption doesn’t transfer, and the taxable value resets toward your price after the sale.
Home details read Oct 7, 2026. They can be out of date or wrong, so confirm them with the agent or seller.
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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Report j9utmvx8u7 · created Oct 9, 2026
