Selected for the Terner Labs Housing Venture Lab

4251 Mesa Drive, Prosper, TX 75078

Active
Listed 176 days ago
Owner-Occupant Eligible
$949,000

About $5,303 a month to live here, after the rent from the other home.

House + ADU4,273 sqft5 beds5 bathsListed May 20, 2026

A house with a second home on the lot. Live in one and rent out the other. How it works

Live here for about

$5,303a month

The second home on the lot rents for $1,556. We hold back $233 of that for repairs and an empty month, and the rest goes toward a $6,626 monthly payment.

Income to qualify: about $167,000 a year

With how much down?

At 20% down ($189,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $124,000 of it. See the ten-year math

See which homes fit your numbers
How we work this out

The cost to live here is the loan payment, taxes, insurance and any dues, less the rent, with a little held back for repairs and an empty month. Income to qualify uses a 43% debt-to-income limit, counts 75% of the rent, and none of your other debts.

$28,470 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Rare multi-generational opportunity in highly sought-after Whitley Place, one of Prosper's premier established communities! Beautifully crafted by highly regarded Darling Homes, this custom 5-bedroom, 5-bath home offers one of the few true private mother-in-law suites (ADU) available in Prosper at this price point. The private suite includes its own entrance, attached one-car garage, full kitchen with gas range, oven, dishwasher, and abundant cabinetry, open-concept living room, bedroom, full bath, and oversized walk-in closet with storage, creating true independent living while connected to the main home. Award-winning Prosper ISD. No MUD or PID. Rare privacy with no neighbors behind or on one side. Designed for everyday living and entertaining, the home features hardwood floors throughout, granite countertops throughout both kitchens and all five bathrooms, soaring 30-foot ceilings, a gourmet kitchen with large island, double ovens, five-burner gas cooktop, designer finishes, two fireplaces, two mudrooms, built-in workspace off the primary suite, media room, game room, whole-home speaker wiring, security camera system, whole-home fire suppression system, tankless water heaters, a three-car swing garage with epoxy-coated floors and overhead storage racks. The extended covered patio creates another living space with an outdoor fireplace, screened with a whole-home mosquito misting system. The professionally landscaped oversized lot offers exceptional privacy. Whitley Place offers scenic walking trails, two resort-style pools, parks, and a true neighborhood feel. Children attend Cockrell Elementary, Rogers Middle School, and Walnut Grove High School in award-winning Prosper ISD. Minutes from Gates of Prosper, HEB, Costco, Whole Foods, PGA Frisco, Omni PGA Resort, Universal Kids Resort, Frisco, McKinney, DNT, Highway 380 and 121, UNT Frisco, shopping, dining, and entertainment. This home is designed to grow with your family through every stage of life.

House + ADU

Property Type

10,019 sqft

Lot Size

2014

Year Built

Listing Date: 05/20/2026

Listed by: Jason Elliott

Listing office: Pinnacle Realty Advisors

Source: NTREIS #21252001

Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.

CHOOSE YOUR UNIT

Tap the one you would live in. The rest pay rent, and that rent comes off your monthly cost.

If someone lives in the unit you want, or a lease comes with the home, ask how moving in works on this one.

CHECK OUR MATHEvery line of the monthly cost is in here. Change the price or the down payment and watch it move.

OFFER PRICE

Change your offer and watch the monthly cost move.

Purchase Price

-15%
$949,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$949,000
Your Down Payment$189,800
Financed$759,200
Estimated Monthly Payment$6,626

Before rent: principal and interest at 6.0% on a 30-year fixed loan, taxes, insurance and any HOA dues. Your rate and down payment change this.

MONTHLY BREAKDOWN

Estimate at 20% down ($189,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$6,626/month
Principal + Interest
$4,552
Property Taxes
$1,255
Home Insurance
$697
HOA$122
Rental Income (1 Unit)
$1,556/month

From the listing description.

Rental Expenses
-$233
Cost to live here
$5,303/month

Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.

BEFORE YOU OFFER

Now run it on your paycheck.

This page is priced at one down payment and one rate. Send the address and we run it at yours: what you would pay each month after rent, and which loan works on this home.

Free. No credit pull.

NTREIS logo

MLS# 21252001 · Listing office: Pinnacle Realty Advisors

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the NTREIS Multiple Listing Service. Real estate listings held by brokerage firms other than this broker are marked with the Broker Reciprocity logo and detailed information about them includes the name of the listing brokers.