Selected for the Terner Labs Housing Venture Lab

4877 Fm 84, Denison, TX 75020

Active
Listed 147 days ago
Owner-Occupant Eligible
$965,000

About $5,186 a month to live here, after the rent from the other home.

Duplex3,964 sqft3 beds2 bathsListed Jun 18, 2026

A duplex. Live in one home and rent out the other. How it works

Live here for about

$5,186a month

The other home rents for $2,000. We hold back $360 of that for repairs and an empty month, and the rest goes toward a $6,826 monthly payment.

Income to qualify: about $172,000 a year

With how much down?

At 20% down ($193,000) and 5.6%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $133,000 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.

$33,775 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

THE BEST OF BOTH WORLDS: Enjoy a peaceful country setting with the convenience of easy access to everything! AG EXEMPT!! 2 HOMES!! Welcome to this 8.4-acre homestead. Nestled amid wide-open views, wildlife, and mature pecan trees, this property is a true oasis for nature lovers and animal enthusiasts alike. The 2,164 sq. ft. main residence boasts an open living area with a WB fireplace, sunny breakfast nook, formal dining area, and split bedrooms. Upgrades include appliances, flooring, HVAC, fresh paint, and stylish kitchen renovations. The charming 1,800 sq. ft. 3-bedroom, 2-bath guest house offers an excellent opportunity to generate additional income through an Airbnb or long-term rental. With its own unique character and ample space, guests will revel in the tranquility of the countryside. With cross-fencing in place, this property is perfect for raising animals or letting your furry friends roam freely. Equipped for your agricultural passions, the property includes a well-appointed 3-stall barn complete with a hayloft, tack room, versatile workshop area, and an office space—perfect for managing your farming endeavors or animal care. Whether you're tending to horses, goats, or other livestock, this farm is ready to support your rural lifestyle. For those who appreciate fishing, two serene ponds are stocked with bass, catfish, and crappie—ideal for weekend afternoons spent casting a line. Convenient access to schools, shopping, dining, and major highways. With a rare combination of features and a prime location, this hidden gem is waiting for the right buyer. Don't miss the chance to own this exceptional property— where dreams of country living come true!

Duplex

Property Type

365,904 sqft

Lot Size

1977

Year Built

Listing Date: 06/18/2026

Listed by: Wynetta Whitlock

Listing office: Compass RE Texas, LLC.

Source: NTREIS #21309745

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%
$965,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$965,000
Your Down Payment$193,000
Financed$772,000
Estimated Monthly Payment$6,826

Before rent: principal and interest at 5.6% 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 ($193,000) and 5.6%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$6,826/month
Principal + Interest
$4,432
Property Taxes
$1,645
Home Insurance
$749
Rental Income (1 Unit)
$2,000/month

From the listing description.

Rental Expenses
-$360
Cost to live here
$5,186/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# 21309745 · Listing office: Compass RE Texas, 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.