DSCR report
Single-family home · 4 bd · 3 ba · 1,980 sq ft · built 2004
Address matched on the U.S. Census Bureau’s map Oct 9, 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.
Strong
83/100
Your would be 5.8%. That beats 83% of the deals with positive cash flow in our starting sample.
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.
Good terms likely
85/100
How good the loan terms would likely be, and how many lenders would make this loan:
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
11/100
Your price matches the asking price.
This seller may come down about 6%: priced over the estimated home value, the seller sounds open to offers. Working against you: the price went up last time.
At your price, the rent already covers the payment 1.2 times.
How the seller describes it: the seller sounds motivated, it’s sold as-is or needs work, it’s pitched to investors.
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.
This 4-bedroom, 3-bathroom single-family home at 22815 Red Leo Ln in Spring was built in 2004 and has 1,980 sq ft. The numbers start from the asking price of $165,000, and 15 nearby rentals suggest $2,230 a month in rent. At that price and rent, the rent covers the monthly payment 1.37 times (DSCR 1.37). That is comfortably above the 1.25 most lenders like to see. After 8% of the year empty and 10% of rent set aside for repairs, you would have $224 a month left over.
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. Rents in Greater Houston have been flat, so the numbers assume 8% vacancy and no rent growth. The home is in zone X, a FEMA minimal-risk flood zone (flood insurance optional); most Harris County homes that flooded in Harvey were outside mapped floodplains, so optional does not mean unnecessary.
Get a real landlord insurance quote and a lender term sheet to firm up these estimates before making an offer.
Written by an AI model from this report’s numbers and checked against them. It’s an estimate, not advice.
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 $208,557 (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 |
|---|---|---|---|
| $99,000 | 1.72 | $1,295 | $551 |
| $102,625 | 1.70 | $1,309 | $538 |
| $106,250 | 1.67 | $1,328 | $519 |
| $109,875 | 1.65 | $1,346 | $500 |
| $113,500 | 1.63 | $1,365 | $481 |
| $117,125 | 1.61 | $1,384 | $463 |
| $120,750 | 1.59 | $1,402 | $444 |
| $124,375 | 1.56 | $1,421 | $425 |
| $128,000 | 1.54 | $1,440 | $407 |
| $131,625 | 1.52 | $1,459 | $388 |
| $135,250 | 1.51 | $1,470 | $376 |
| $138,875 | 1.49 | $1,489 | $358 |
| $142,500 | 1.47 | $1,507 | $339 |
| $146,125 | 1.46 | $1,526 | $321 |
| $149,750 | 1.44 | $1,544 | $302 |
| $153,375 | 1.42 | $1,563 | $283 |
| $157,000 | 1.41 | $1,582 | $265 |
| $160,625 | 1.39 | $1,600 | $246 |
| $164,250 | 1.37 | $1,619 | $228 |
| $167,875 | 1.36 | $1,629 | $218 |
| $171,500 | 1.35 | $1,647 | $200 |
| $175,125 | 1.33 | $1,665 | $181 |
| $178,750 | 1.32 | $1,684 | $163 |
| $182,375 | 1.31 | $1,702 | $144 |
| $186,000 | 1.29 | $1,720 | $126 |
| $189,625 | 1.28 | $1,739 | $108 |
| $193,250 | 1.26 | $1,757 | $89 |
| $196,875 | 1.25 | $1,775 | $71 |
| $200,500 | 1.25 | $1,784 | $63 |
| $204,125 | 1.22 | $1,815 | $32 |
| $207,750 | 1.21 | $1,833 | $13 |
| $211,375 | 1.20 | $1,851 | −$5 |
| $215,000 | 1.18 | $1,875 | −$28 |
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% | $29,700 | $97 | 1.27 |
| 16% | $31,350 | $109 | 1.28 |
| 17% | $33,000 | $120 | 1.29 |
| 18% | $34,650 | $132 | 1.30 |
| 19% | $36,300 | $143 | 1.30 |
| 20% | $37,950 | $154 | 1.31 |
| 21% | $39,600 | $166 | 1.32 |
| 22% | $41,250 | $177 | 1.33 |
| 23% | $42,900 | $189 | 1.34 |
| 24% | $44,550 | $200 | 1.35 |
| 25% | $46,200 | $224 | 1.37 |
| 26% | $47,850 | $235 | 1.38 |
| 27% | $49,500 | $247 | 1.39 |
| 28% | $51,150 | $258 | 1.40 |
| 29% | $52,800 | $269 | 1.41 |
| 30% | $54,450 | $290 | 1.43 |
| 31% | $56,100 | $301 | 1.44 |
| 32% | $57,750 | $312 | 1.45 |
| 33% | $59,400 | $323 | 1.46 |
| 34% | $61,050 | $334 | 1.47 |
| 35% | $62,700 | $355 | 1.49 |
| 36% | $64,350 | $366 | 1.50 |
| 37% | $66,000 | $377 | 1.51 |
| 38% | $67,650 | $387 | 1.52 |
| 39% | $69,300 | $398 | 1.54 |
| 40% | $70,950 | $403 | 1.54 |
| 41% | $72,600 | $414 | 1.55 |
| 42% | $74,250 | $425 | 1.56 |
| 43% | $75,900 | $436 | 1.58 |
| 44% | $77,550 | $447 | 1.59 |
| 45% | $79,200 | $458 | 1.60 |
| 46% | $80,850 | $469 | 1.61 |
| 47% | $82,500 | $480 | 1.63 |
| 48% | $84,150 | $491 | 1.64 |
| 49% | $85,800 | $502 | 1.65 |
| 50% | $87,450 | $514 | 1.67 |
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.
| Down payment | Cash to close | Cash flow/mo | DSCR |
|---|---|---|---|
| 15% | $29,700 | $97 | 1.27 |
| 16% | $31,350 | $109 | 1.28 |
| 17% | $33,000 | $120 | 1.29 |
| 18% | $34,650 | $132 | 1.30 |
| 19% | $36,300 | $143 | 1.30 |
| 20% | $37,950 | $154 | 1.31 |
| 21% | $39,600 | $166 | 1.32 |
| 22% | $41,250 | $177 | 1.33 |
| 23% | $42,900 | $189 | 1.34 |
| 24% | $44,550 | $200 | 1.35 |
| 25% | $46,200 | $224 | 1.37 |
| 26% | $47,850 | $235 | 1.38 |
| 27% | $49,500 | $247 | 1.39 |
| 28% | $51,150 | $258 | 1.40 |
| 29% | $52,800 | $269 | 1.41 |
| 30% | $54,450 | $290 | 1.43 |
| 31% | $56,100 | $301 | 1.44 |
| 32% | $57,750 | $312 | 1.45 |
| 33% | $59,400 | $323 | 1.46 |
| 34% | $61,050 | $334 | 1.47 |
| 35% | $62,700 | $355 | 1.49 |
| 36% | $64,350 | $366 | 1.50 |
| 37% | $66,000 | $377 | 1.51 |
| 38% | $67,650 | $387 | 1.52 |
| 39% | $69,300 | $398 | 1.54 |
| 40% | $70,950 | $403 | 1.54 |
| 41% | $72,600 | $414 | 1.55 |
| 42% | $74,250 | $425 | 1.56 |
| 43% | $75,900 | $436 | 1.58 |
| 44% | $77,550 | $447 | 1.59 |
| 45% | $79,200 | $458 | 1.60 |
| 46% | $80,850 | $469 | 1.61 |
| 47% | $82,500 | $480 | 1.63 |
| 48% | $84,150 | $491 | 1.64 |
| 49% | $85,800 | $502 | 1.65 |
| 50% | $87,450 | $514 | 1.67 |
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 | 7.64% | $877 | 1.34 |
| 630 | 7.64% | $877 | 1.34 |
| 640 | 7.64% | $877 | 1.34 |
| 650 | 7.64% | $877 | 1.34 |
| 660 | 7.64% | $877 | 1.34 |
| 670 | 7.64% | $877 | 1.34 |
| 680 | 7.39% | $856 | 1.36 |
| 690 | 7.39% | $856 | 1.36 |
| 700 | 7.29% | $848 | 1.37 |
| 710 | 7.29% | $848 | 1.37 |
| 720 | 7.24% | $843 | 1.37 |
| 730 | 7.24% | $843 | 1.37 |
| 740 | 7.19% | $839 | 1.37 |
| 750 | 7.19% | $839 | 1.37 |
| 760 | 7.14% | $835 | 1.38 |
| 770 | 7.14% | $835 | 1.38 |
| 780 | 7.14% | $835 | 1.38 |
| 790 | 7.14% | $835 | 1.38 |
| 800 | 7.14% | $835 | 1.38 |
| 810 | 7.14% | $835 | 1.38 |
| 820 | 7.14% | $835 | 1.38 |
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% | $664 | 1.54 | $403 |
| 5.25% | $683 | 1.52 | $384 |
| 5.50% | $703 | 1.50 | $365 |
| 5.75% | $722 | 1.48 | $345 |
| 6.00% | $742 | 1.46 | $325 |
| 6.25% | $762 | 1.44 | $305 |
| 6.50% | $782 | 1.42 | $285 |
| 6.75% | $803 | 1.40 | $265 |
| 7.00% | $823 | 1.39 | $244 |
| 7.25% | $844 | 1.37 | $223 |
| 7.50% | $865 | 1.35 | $202 |
| 7.75% | $887 | 1.33 | $181 |
| 8.00% | $908 | 1.32 | $159 |
| 8.25% | $930 | 1.30 | $138 |
| 8.50% | $952 | 1.28 | $116 |
| 8.75% | $974 | 1.27 | $94 |
| 9.00% | $996 | 1.25 | $72 |
| 9.25% | $1,018 | 1.24 | $49 |
| 9.50% | $1,041 | 1.22 | $27 |
| 9.75% | $1,063 | 1.21 | $4 |
| 10.00% | $1,086 | 1.19 | −$19 |
| 10.25% | $1,109 | 1.18 | −$42 |
| 10.50% | $1,132 | 1.16 | −$65 |
| 10.75% | $1,155 | 1.15 | −$88 |
| 11.00% | $1,179 | 1.13 | −$111 |
| 11.25% | $1,202 | 1.12 | −$135 |
| 11.50% | $1,225 | 1.11 | −$158 |
| 11.75% | $1,249 | 1.09 | −$182 |
| 12.00% | $1,273 | 1.08 | −$206 |
The shaded band is where RentCast expects the rent to land 85% of the time. At this price, a rent of about $1,947 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 |
|---|---|---|---|
| $1,550 | 0.91 | −$414 | −10.74% |
| $1,592 | 0.93 | −$379 | −9.84% |
| $1,634 | 0.96 | −$344 | −8.93% |
| $1,677 | 1.01 | −$266 | −6.91% |
| $1,719 | 1.03 | −$231 | −6% |
| $1,761 | 1.06 | −$196 | −5.09% |
| $1,803 | 1.10 | −$140 | −3.63% |
| $1,845 | 1.13 | −$105 | −2.73% |
| $1,888 | 1.15 | −$70 | −1.82% |
| $1,930 | 1.18 | −$35 | −0.91% |
| $1,972 | 1.20 | −$0 | −0.01% |
| $2,014 | 1.23 | $35 | 0.9% |
| $2,056 | 1.26 | $80 | 2.08% |
| $2,098 | 1.29 | $115 | 2.99% |
| $2,141 | 1.31 | $150 | 3.9% |
| $2,183 | 1.34 | $185 | 4.8% |
| $2,225 | 1.37 | $220 | 5.71% |
| $2,267 | 1.39 | $255 | 6.62% |
| $2,309 | 1.42 | $290 | 7.53% |
| $2,352 | 1.44 | $325 | 8.43% |
| $2,394 | 1.47 | $360 | 9.34% |
| $2,436 | 1.50 | $395 | 10.25% |
| $2,478 | 1.52 | $429 | 11.16% |
| $2,520 | 1.55 | $464 | 12.06% |
| $2,563 | 1.57 | $499 | 12.97% |
| $2,605 | 1.60 | $534 | 13.88% |
| $2,647 | 1.63 | $569 | 14.78% |
| $2,689 | 1.65 | $604 | 15.69% |
| $2,731 | 1.68 | $639 | 16.6% |
| $2,773 | 1.70 | $674 | 17.51% |
| $2,816 | 1.73 | $709 | 18.41% |
| $2,858 | 1.76 | $744 | 19.32% |
| $2,900 | 1.78 | $779 | 20.23% |
Each point of vacancy is about $268 a year of rent you don’t collect. One empty month a year is about 8%.
| Vacancy | Rent collected/mo | Cash flow/mo |
|---|---|---|
| 0% | $2,230 | $385 |
| 1% | $2,208 | $365 |
| 2% | $2,185 | $344 |
| 3% | $2,163 | $324 |
| 4% | $2,141 | $304 |
| 5% | $2,119 | $284 |
| 6% | $2,096 | $264 |
| 7% | $2,074 | $244 |
| 8% | $2,052 | $224 |
| 9% | $2,029 | $204 |
| 10% | $2,007 | $184 |
| 11% | $1,985 | $164 |
| 12% | $1,962 | $144 |
| 13% | $1,940 | $124 |
| 14% | $1,918 | $104 |
| 15% | $1,896 | $84 |
| 16% | $1,873 | $63 |
| 17% | $1,851 | $43 |
| 18% | $1,829 | $23 |
| 19% | $1,806 | $3 |
| 20% | $1,784 | −$17 |
| 21% | $1,762 | −$37 |
| 22% | $1,739 | −$57 |
| 23% | $1,717 | −$77 |
| 24% | $1,695 | −$97 |
| 25% | $1,673 | −$117 |
What’s left after empty months, set-asides and the payment is your cash flow: $224 a month.
| Line | Per month | Share of rent |
|---|---|---|
| Empty months (vacancy) | $178 | 8% |
| Repairs and big replacements | $205 | 9% |
| Loan payment, taxes, insurance and HOA | $1,622 | 73% |
| Cash flow | $224 | 10% |
1.37
At the asking price of $165,000 with 25% down, the rent of $2,230 a month covers the monthly payment 1.37 times. That’s at or above 1.25, where lenders offer their best pricing.
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 | $123,750 loan at 7.240% over 30 years, at our estimated rate. | $843 |
| Property taxes | Your tax rate as an investor on $212,785, with no exemptions. See the tax details below. | $474 |
| Insurance | Our middle estimate. See the insurance details below. | $284 |
| HOA dues | From the home’s details. | $21 |
| Total (PITIA) | $1,622 |
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 $100k–$125k | +0.200% |
| Rent coverage 1.25+ | +0.000% |
| Estimated rate | 7.240% |
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.
$224
$2,688 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.
$46,200
25% down ($41,250) plus about 3% for closing costs and lender fees ($4,950). Lenders often also want 6 months of payments in savings ($9,734), not counted here.
5.82%
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.
It’s already there at this price and rent.
About $5,686 a year ($474 a month) on a taxable value of $212,785 (the county’s market value, which is higher than the asking price of $165,000)
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.
Last year’s value ($245,815) times this home’s rates comes to about $6,452, before any exemptions, so their real bill is lower. You’d pay about $5,686, which is $767 less.
| Taxing district | Kind | Rate per $100 | Per year |
|---|---|---|---|
| KLEIN ISD | School district | 1.0119 (2026) | $2,153 |
| HARRIS COUNTY | County | 0.4175 (2026) | $888 |
| HARRIS CO FLOOD CNTRL | Flood control | 0.0527 (2026) | $112 |
| PORT OF HOUSTON AUTHY | Port authority | 0.0060 (2026) | $13 |
| HARRIS CO HOSP DIST | Hospital district | 0.1953 (2026) | $416 |
| HARRIS CO EDUC DEPT | County education department | 0.0048 (2025) | $10 |
| LONE STAR COLLEGE SYS | Community college | 0.1058 (2026) | $225 |
| ENCANTO REAL UD | Utility district (MUD) | 0.7400 (2025) | $1,575 |
| HC EMERG SRV DIST 7 | Emergency services district | 0.1000 (2026) | $213 |
| HC EMERG SERV DIST 11 | Emergency services district | 0.0381 (2025) | $81 |
| Total | 2.6721 | $5,686 |
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 $131 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 1248520070001 (22815 RED LEO, SPRING, 77389), from Harris County’s Truth-in-Taxation record, read Oct 9, 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 $2,230/month likely $1,960 to $2,510
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.
15 homes, usually 0.8 miles away, renting for $1,745 to $2,700 (the middle one: $2,250). 2 of them were on the market in the last 90 days.
They rent for about $1.03 per square foot. At this home’s size, that’s about $2,045/month.
About 42 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. We left out 1 listing that has been up for months, which is usually an apartment complex’s standing ad.
The rent is 1.35% of the price each month, so the price is about 6.2 years of rent.
A quick check some investors use is the “1% rule”: monthly rent of at least 1% of the price. It’s a rule of thumb, not a lender test. The DSCR, taxes and insurance decide whether a deal works.
Single Family · 4 beds · 3 baths · 1,980 sq ft, from the home’s details.
Jun 22, 2020
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 |
|---|---|---|---|---|---|---|
| 22702 Sherioaks Ln, Unit 1 | 4 / 2.5 | 2,025 | $1,745 | $0.86 | 0.1 mi | Left after 1,036 days · seen Feb 5, 2026 |
| 21722 Dimmett Way | 4 / 2.5 | 1,983 | $2,050 | $1.03 | 1 mi | Left after 45 days · seen May 15, 2026 |
| 5115 Wilting Oak Ln | 4 / 3 | 2,262 | $2,600 | $1.15 | 0.8 mi | Left after 9 days · seen Jan 15, 2026 |
| 23022 Quail Shute | 4 / 2.5 | 2,086 | $2,199 | $1.05 | 0.5 mi | Left after 40 days · seen Jul 10, 2026 |
| 22811 Precious Pl | 4 / 2.5 | 2,240 | $1,765 | $0.79 | 0.2 mi | Left after 14 days · seen Mar 26, 2026 |
| 22214 Meandering Springs Dr | 4 / 3 | 2,464 | $2,450 | $0.99 | 0.8 mi | Left after 30 days · seen Apr 25, 2026 |
| 4907 Fox Mill Ln | 4 / 2.5 | 2,280 | $2,000 | $0.88 | 0.3 mi | Left after 63 days · seen Mar 19, 2026 |
| 23011 Fox Hunt Dr | 4 / 2 | 2,004 | $2,350 | $1.17 | 0.7 mi | Left after 16 days · seen Jul 22, 2026 |
| 6534 Bayonne Dr | 4 / 3 | 2,392 | $2,150 | $0.90 | 1.3 mi | Left after 42 days · seen Apr 1, 2026 |
| 6131 Moran Crest Dr | 4 / 3 | 2,397 | $2,590 | $1.08 | 1.3 mi | Left after 61 days · seen Feb 12, 2026 |
| 4731 Creekside Haven Trl | 4 / 3 | 2,429 | $2,700 | $1.11 | 1.1 mi | Left after 54 days · seen Mar 26, 2026 |
| 4711 Creekside Haven Trl | 4 / 3 | 2,438 | $2,390 | $0.98 | 1.1 mi | Still listed after 94 days · seen Oct 6, 2026 |
| 21631 Rainfall Park Dr | 4 / 2.5 | 2,084 | $2,200 | $1.06 | 1.8 mi | Left after 14 days · seen Apr 27, 2026 |
| 5143 Roth Forest Ln | 4 / 2.5 | 2,344 | $2,490 | $1.06 | 0.2 mi | Left after 101 days · seen May 15, 2026 |
| 21814 Kardy St | 4 / 2.5 | 2,199 | $2,250 | $1.02 | 1 mi | Left after 94 days · seen Mar 4, 2026 |
RentCast’s rent estimate, read Oct 9, 2026.
About $2,558 to $4,264 a year
$284 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 (1,980 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 | $3,411 | 1,980 sq ft × $175 a sq ft to rebuild = $346,500 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 | $3,411 | Range $2,558 to $4,264 |
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 $6,930 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.
For sale at $165,000.
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.
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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Report mwguq8h6ya · created Oct 9, 2026
