DSCR report

22419 Sawmill Ranch Dr Spring, TX 77389

Single-family home · 4 bd · 4 ba · 3,308 sq ft · built 2015

Address placed by its map point, read Oct 9, 2026. The street is too new for the U.S. Census Bureau’s map.

This is an estimate, not a loan approval.

Updated Oct 9, 2026

Three scores, 1 to 100

They move with the sliders below. Change the price or the rent, and the scores follow.

Weak

Deal attractiveness

1/100

Your would be −15.3%. That beats 0% of the deals with positive cash flow in our starting sample.

Negative cash flow at these numbers

A typical DSCR lender wouldn’t make this loan as it stands. See Loan health.

What moves this score

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.

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.

Rent coverage: 0.72× weak
Credit score: 720 strong
Down payment The loan is 75% of your price.: 25% strong

What moves this score

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.

Easier

Negotiation difficulty

3/100

Your price matches the asking price.

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.

The rent covers the payment 1.2 times at about $194,000, 58% under the asking price. Getting that price would be close to impossible.

How the seller describes it: the price was cut.

What moves this score

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: Solid The key facts are here, and the sources agree.

In plain English

This 4-bedroom, 4-bathroom single-family home at 22419 Sawmill Ranch Dr in Spring was built in 2015 and has 3,308 sq ft. The numbers start from the asking price of $459,900, and 15 nearby rentals suggest $2,960 a month in rent. At that price and rent, the rent covers the monthly payment 0.72 times (DSCR 0.72). That is under 1.0, so the rent does not cover the monthly payment. After 8% of the year empty and 10% of rent set aside for repairs, you would put in $1,642 a month.

Three Greater Houston facts drive these numbers. 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. The seller's tax bill of $9,368 (2025) is lower than an investor's estimated $12,289 a year, because the seller's homestead exemption does not transfer to a rental and the taxable value resets toward the purchase price after a sale. Rents in Greater Houston have been flat, so the numbers assume 8% vacancy and no rent growth.

To reach DSCR 1.2, the price would need to come down to about $193,900, or the rent would need to be near $4,911 a month. Before making an offer, ask a local leasing agent what homes like this one have actually leased for.

Written by an AI model from this report’s numbers and checked against them. It’s an estimate, not advice.

Your assumptions

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.

Purchase price $459,900

What you’d offer. It starts at the asking price if the home is for sale, or the estimated home value if not. The further under that you go, the harder the seller may be to win over. Taxes are figured on this price or the county’s value, whichever is higher. Starts at the asking price. Now 2% over the estimated home value.

Rent coverage (DSCR) at each price

At this rent, the rent covers the payment 1.2 times at a price of about $193,917 (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.

Show as a table

Price	DSCR	Payment/mo	Cash flow/mo
$193,917	1.19	$2,477	−$26
$206,544	1.16	$2,531	−$80
$219,172	1.14	$2,595	−$144
$231,799	1.11	$2,659	−$208
$244,427	1.07	$2,754	−$303
$257,055	1.04	$2,820	−$369
$269,682	1.02	$2,885	−$435
$282,310	1.00	$2,951	−$500
$294,937	0.95	$3,093	−$642
$307,565	0.93	$3,162	−$711
$320,193	0.91	$3,231	−$780
$332,820	0.89	$3,300	−$849
$345,448	0.87	$3,369	−$918
$358,075	0.86	$3,438	−$987
$370,703	0.84	$3,507	−$1,056
$383,331	0.82	$3,575	−$1,125
$395,958	0.81	$3,644	−$1,194
$408,586	0.79	$3,713	−$1,262
$421,214	0.77	$3,795	−$1,344
$433,841	0.76	$3,892	−$1,441
$446,469	0.74	$3,989	−$1,538
$459,096	0.72	$4,086	−$1,635
$471,724	0.70	$4,183	−$1,733
$484,352	0.69	$4,280	−$1,830
$496,979	0.67	$4,377	−$1,927
$509,607	0.66	$4,475	−$2,024
$522,234	0.64	$4,572	−$2,121
$534,862	0.63	$4,669	−$2,218
$547,490	0.62	$4,766	−$2,315
$560,117	0.60	$4,863	−$2,412
$572,745	0.59	$4,960	−$2,509
$585,372	0.58	$5,057	−$2,606
$598,000	0.57	$5,154	−$2,703

Down payment 25%

The cash you pay toward the price. Most DSCR lenders want at least 20% down, and 25% often gets a better rate. They want more if your credit score is under 720, and 30% if the rent doesn’t cover the payment. More down means a smaller payment, but more of your cash is tied up.

Cash to close

More down means more of your cash goes in at closing (the down payment plus closing costs).

Show as a table

Down payment	Cash to close	Cash flow/mo	DSCR
15%	$82,782	−$2,045	0.65
16%	$87,381	−$2,010	0.66
17%	$91,980	−$1,976	0.66
18%	$96,579	−$1,942	0.67
19%	$101,178	−$1,907	0.67
20%	$105,777	−$1,873	0.68
21%	$110,376	−$1,839	0.69
22%	$114,975	−$1,805	0.69
23%	$119,574	−$1,770	0.70
24%	$124,173	−$1,736	0.70
25%	$128,772	−$1,642	0.72
26%	$133,371	−$1,608	0.72
27%	$137,970	−$1,575	0.73
28%	$142,569	−$1,541	0.74
29%	$147,168	−$1,508	0.74
30%	$151,767	−$1,446	0.75
31%	$156,366	−$1,413	0.76
32%	$160,965	−$1,380	0.77
33%	$165,564	−$1,347	0.77
34%	$170,163	−$1,314	0.78
35%	$174,762	−$1,255	0.79
36%	$179,361	−$1,223	0.80
37%	$183,960	−$1,190	0.81
38%	$188,559	−$1,157	0.82
39%	$193,158	−$1,124	0.82
40%	$197,757	−$1,092	0.83
41%	$202,356	−$1,059	0.84
42%	$206,955	−$1,026	0.85
43%	$211,554	−$994	0.85
44%	$216,153	−$961	0.86
45%	$220,752	−$928	0.87
46%	$225,351	−$896	0.88
47%	$229,950	−$863	0.89
48%	$234,549	−$830	0.90
49%	$239,148	−$798	0.91
50%	$243,747	−$765	0.92

Monthly cash flow

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).

Show as a table

Down payment	Cash to close	Cash flow/mo	DSCR
15%	$82,782	−$2,045	0.65
16%	$87,381	−$2,010	0.66
17%	$91,980	−$1,976	0.66
18%	$96,579	−$1,942	0.67
19%	$101,178	−$1,907	0.67
20%	$105,777	−$1,873	0.68
21%	$110,376	−$1,839	0.69
22%	$114,975	−$1,805	0.69
23%	$119,574	−$1,770	0.70
24%	$124,173	−$1,736	0.70
25%	$128,772	−$1,642	0.72
26%	$133,371	−$1,608	0.72
27%	$137,970	−$1,575	0.73
28%	$142,569	−$1,541	0.74
29%	$147,168	−$1,508	0.74
30%	$151,767	−$1,446	0.75
31%	$156,366	−$1,413	0.76
32%	$160,965	−$1,380	0.77
33%	$165,564	−$1,347	0.77
34%	$170,163	−$1,314	0.78
35%	$174,762	−$1,255	0.79
36%	$179,361	−$1,223	0.80
37%	$183,960	−$1,190	0.81
38%	$188,559	−$1,157	0.82
39%	$193,158	−$1,124	0.82
40%	$197,757	−$1,092	0.83
41%	$202,356	−$1,059	0.84
42%	$206,955	−$1,026	0.85
43%	$211,554	−$994	0.85
44%	$216,153	−$961	0.86
45%	$220,752	−$928	0.87
46%	$225,351	−$896	0.88
47%	$229,950	−$863	0.89
48%	$234,549	−$830	0.90
49%	$239,148	−$798	0.91
50%	$243,747	−$765	0.92

Credit score 720

Your middle credit score: lenders pull three and use the middle one. It changes the estimated rate. Most DSCR lenders need at least 660.

Estimated rate by credit score

Lenders change the rate in steps as your credit score moves, and the payment follows. Most DSCR lenders need at least 660.

Show as a table

Credit score	Estimated rate	Loan payment/mo	DSCR
620	8.31%	$2,607	0.70
630	8.31%	$2,607	0.70
640	8.31%	$2,607	0.70
650	8.31%	$2,607	0.70
660	8.31%	$2,607	0.70
670	8.31%	$2,607	0.70
680	8.06%	$2,547	0.71
690	8.06%	$2,547	0.71
700	7.96%	$2,523	0.72
710	7.96%	$2,523	0.72
720	7.92%	$2,511	0.72
730	7.92%	$2,511	0.72
740	7.87%	$2,499	0.72
750	7.87%	$2,499	0.72
760	7.81%	$2,487	0.72
770	7.81%	$2,487	0.72
780	7.81%	$2,487	0.72
790	7.81%	$2,487	0.72
800	7.81%	$2,487	0.72
810	7.81%	$2,487	0.72
820	7.81%	$2,487	0.72

Set my own rate

Interest rate 7.915%

We estimate it from published lender pricing, using your credit score, your down payment and how well the rent covers the payment. Turn on “Set my own rate” to use a quote you have. A real quote will differ. Our estimate: 7.915%.

Monthly cash flow at each rate

Every quarter point of rate changes the payment. Our estimate is a starting point; a real lender’s quote will differ.

Show as a table

Rate	Loan payment/mo	DSCR	Cash flow/mo
5.00%	$1,852	0.86	−$983
5.25%	$1,905	0.84	−$1,036
5.50%	$1,958	0.83	−$1,090
5.75%	$2,013	0.82	−$1,144
6.00%	$2,068	0.81	−$1,199
6.25%	$2,124	0.79	−$1,255
6.50%	$2,180	0.78	−$1,311
6.75%	$2,237	0.77	−$1,368
7.00%	$2,295	0.76	−$1,426
7.25%	$2,353	0.75	−$1,484
7.50%	$2,412	0.74	−$1,543
7.75%	$2,471	0.73	−$1,602
8.00%	$2,531	0.71	−$1,662
8.25%	$2,591	0.70	−$1,722
8.50%	$2,652	0.69	−$1,783
8.75%	$2,714	0.68	−$1,845
9.00%	$2,775	0.67	−$1,906
9.25%	$2,838	0.66	−$1,969
9.50%	$2,900	0.66	−$2,031
9.75%	$2,963	0.65	−$2,095
10.00%	$3,027	0.64	−$2,158
10.25%	$3,091	0.63	−$2,222
10.50%	$3,155	0.62	−$2,286
10.75%	$3,220	0.61	−$2,351
11.00%	$3,285	0.60	−$2,416
11.25%	$3,350	0.60	−$2,481
11.50%	$3,416	0.59	−$2,547
11.75%	$3,482	0.58	−$2,613
12.00%	$3,548	0.57	−$2,679

Monthly rent $2,960

The monthly rent a lender will count. It starts at RentCast’s estimate from nearby rentals. Lenders use the lower of your signed lease and the appraiser’s rent estimate, so check it against a recent lease nearby. Starts at RentCast’s estimate from nearby rentals.

Monthly cash flow at each rent

The shaded band is where RentCast expects the rent to land 85% of the time. At this price, a rent of about $4,911 would reach DSCR 1.2. Lenders count the lower of your signed lease and the appraiser’s rent estimate.

Show as a table

Rent	DSCR	Cash flow/mo	Cash-on-cash
$2,075	0.50	−$2,374	−22.13%
$2,164	0.52	−$2,301	−21.44%
$2,252	0.55	−$2,228	−20.76%
$2,341	0.57	−$2,154	−20.08%
$2,430	0.59	−$2,081	−19.39%
$2,518	0.61	−$2,008	−18.71%
$2,607	0.63	−$1,934	−18.02%
$2,695	0.65	−$1,861	−17.34%
$2,784	0.68	−$1,787	−16.66%
$2,873	0.70	−$1,714	−15.97%
$2,961	0.72	−$1,641	−15.29%
$3,050	0.74	−$1,567	−14.6%
$3,139	0.76	−$1,494	−13.92%
$3,227	0.78	−$1,420	−13.24%
$3,316	0.81	−$1,347	−12.55%
$3,404	0.83	−$1,274	−11.87%
$3,493	0.85	−$1,200	−11.19%
$3,582	0.87	−$1,127	−10.5%
$3,670	0.89	−$1,054	−9.82%
$3,759	0.91	−$980	−9.13%
$3,848	0.94	−$907	−8.45%
$3,936	0.96	−$833	−7.77%
$4,025	1.01	−$641	−5.98%
$4,113	1.03	−$568	−5.29%
$4,202	1.05	−$494	−4.61%
$4,291	1.07	−$421	−3.92%
$4,379	1.11	−$289	−2.69%
$4,468	1.14	−$216	−2.01%
$4,557	1.16	−$142	−1.33%
$4,645	1.18	−$69	−0.64%
$4,734	1.20	$4	0.04%
$4,822	1.23	$78	0.73%
$4,911	1.26	$180	1.68%

Vacancy 8%

The share of the year the home sits empty between tenants. Lenders leave it out of DSCR, but it comes out of your cash flow. Rents in Greater Houston have been flat, and homes take about a month to lease, so this starts at 8%, above the usual 5%.

Monthly cash flow at each vacancy rate

Each point of vacancy is about $355 a year of rent you don’t collect. One empty month a year is about 8%.

Show as a table

Vacancy	Rent collected/mo	Cash flow/mo
0%	$2,960	−$1,429
1%	$2,930	−$1,455
2%	$2,901	−$1,482
3%	$2,871	−$1,508
4%	$2,842	−$1,535
5%	$2,812	−$1,562
6%	$2,782	−$1,588
7%	$2,753	−$1,615
8%	$2,723	−$1,642
9%	$2,694	−$1,668
10%	$2,664	−$1,695
11%	$2,634	−$1,722
12%	$2,605	−$1,748
13%	$2,575	−$1,775
14%	$2,546	−$1,801
15%	$2,516	−$1,828
16%	$2,486	−$1,855
17%	$2,457	−$1,881
18%	$2,427	−$1,908
19%	$2,398	−$1,935
20%	$2,368	−$1,961
21%	$2,338	−$1,988
22%	$2,309	−$2,015
23%	$2,279	−$2,041
24%	$2,250	−$2,068
25%	$2,220	−$2,095

More assumptions: management and set-asides

Property management 0%

What a property manager keeps, as a share of the rent collected. Managers in Greater Houston usually charge 8–12%, plus a fee to find each tenant. Use 0% if you’ll manage it yourself.

Repairs reserve 5%

Money set aside for everyday repairs, as a share of the rent. Heat, hail and clay soil wear homes in Greater Houston faster, so plan on more than the usual 5%.

Big replacements reserve 5%

Money you save for big replacements, like a roof, an AC unit or a water heater. It’s a share of the rent.

Where each month’s rent goes

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%

Does the rent cover the loan?

0.72

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

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.

Monthly payment (PITIA) at these numbers
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.

Monthly cash flow

−$1,642

You’d add money each month

−$19,700 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.

$128,772

25% down ($114,975) plus about 3% for closing costs and lender fees ($13,797). Lenders often also want 6 months of payments in savings ($24,555), not counted here.

−15.3%

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.

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) = $128,772
Cash-on-cash return: 12 × −$1,642 ÷ $128,772 = −15.3% 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)

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.

Every local government that taxes this home
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.

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 an estimate, not a tax bill. Check it against the seller’s tax statement.

Words to know: · · · · ·

What it could rent for

About $2,960/month likely $2,490 to $3,420

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.

Fair A good starting point. Check it against a recent lease nearby. Why: the likely range is wide.

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 0.8 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, not a lender test. 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

Most similar first
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.

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, not a quote.

What’s in the estimate
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 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.

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.
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, not a fact.

The home

For sale at $459,900.

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, not a quote. 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.

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.

How we make these reports

Is something wrong, or do you want this page taken down? Email us.

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Report atfrfgivka · created Oct 9, 2026

Three scores, 1 to 100

Deal attractiveness

Loan health

Negotiation difficulty

In plain English

Your assumptions

Does the rent cover the loan?

Monthly cash flow

Cash to close

Cash-on-cash return

What it would take to reach 1.2

Local details behind the numbers

Your property taxes as an investor

The seller’s bill vs. yours

What it could rent for

The rentals it compared

How long nearby rentals took to lease

Rent compared with the price

What the estimate is based on

Last sale on record

Insurance you’ll need as a landlord

Flood zone

Coastal wind area (TWIA)

What it’s worth

The home

Before you rely on these numbers

For every report

About this report

More Greater Houston reports

Not sure the numbers work? Talk it through before you make an offer.

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