Selected for the Terner Labs Housing Venture Lab

2104 W Holiday, Fate, TX 75087

Active
Listed 155 days ago
Owner-Occupant Eligible
$649,000

About $3,281 a month to live here, after the rent from the other home.

House + ADU2,250 sqft4 beds2 bathsListed Jun 10, 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

$3,281a month

The second home on the lot rents for $1,138. We hold back $188 of that for repairs and an empty month, and the rest goes toward a $4,231 monthly payment.

Income to qualify: about $108,000 a year

With how much down?

At 20% down ($129,800) 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 $85,000 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.

$19,470 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Experience the rare combination of luxury, privacy, 4+ acres, and investment potential in one of the fastest-growing corridors east of Dallas. Nestled on a hill and set back from the road behind a pipe entrance with an automatic gate, this meticulously maintained ranch-style home offers peaceful country living just minutes from Rockwall. The split-bedroom floorplan provides privacy for the primary suite, with a spa-inspired ensuite bath. The spacious living room features vaulted ceilings, a stunning gas-lit stone fireplace, and expansive windows that fill the home with natural light & custom wood blinds throughout. Granite countertops, all-wood cabinetry, under-cabinet lighting, a gas range, convection oven, pantry, and breakfast bar that opens seamlessly to the formal dining. Outdoor living is equally impressive with three porches, a massive fenced backyard, heated outdoor shower, and a covered courtyard complete with sink and electricity. Gas plumbing is already in place in the backyard for a future outdoor kitchen and pool, creating the perfect setting for entertaining. A new roof adds peace of mind for years to come. Strategically positioned for maximum visibility and long term value along Highway 66 frontage in booming Fate, Texas, this property offers rare acreage within a high-growth area served by sought-after schools. Listed separately, a second residence on 3 more acres is located at the rear of the property is already producing rental income. The handicap-accessible home sits on its own parcel ID with a recorded easement for private road access, allowing it to be purchased together with the main residence or separately. Whether you're seeking a multigenerational family compound, an income-producing investment, or the opportunity to control multiple assets in a rapidly appreciating market near Rockwall, this unique property presents possibilities rarely available in today's market. NO HOA

House + ADU

Property Type

194,278 sqft

Lot Size

1994

Year Built

Listing Date: 06/10/2026

Listed by: Rachel Craig

Listing office: Real Broker, LLC

Source: NTREIS #21297724

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%
$649,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$649,000
Your Down Payment$129,800
Financed$519,200
Estimated Monthly Payment$4,231

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 ($129,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Current Rent
Estimated Monthly Payment (Before Rental Income)
$4,231/month
Principal + Interest
$3,113
Property Taxes
$732
Home Insurance
$386
Rental Income (1 Unit)
$1,138/month

From the listing description.

Rental Expenses
-$188
Cost to live here
$3,281/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# 21297724 · Listing office: Real Broker, LLC

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.