Active
2 units6 bd6 ba2,840 sqft
Cost to live here
$682/moafter $2,408/mo in rent
Income to qualify: about $54,000 a year, rent counted
At 20% down, 30-year fixed. From 3.5% down.
$375,000•Duplex
533-535 E Ball Street, Tom Bean, TX 75489
406 E Bonham Street, Tom Bean, TX 75491
Active
Listed 124 days agoOwner-Occupant Eligible
About $1,493 a month to live here, after the rent from the other home.
Duplex3,311 sqft6 beds6 bathsListed Jul 11, 2026
A duplex. Live in one home and rent out the other. How it works
Live here for about
$1,493a month
The other home rents for $2,408. We hold back $361 of that for repairs and an empty month, and the rest goes toward a $3,540 monthly payment.
Income to qualify: about $77,000 a year
With how much down?
At 20% down ($98,000) 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 $68,000 of it. See the ten-year math
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.
$17,150 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
INCOME PRODUCING PROPERTY-FULLY TENANT OCCUPIED. BEAUTIFUL NEW CONSTRUCTION DUPLEX IN TOM BEAN, GRAYSON COUNTY. Each unit is large in size at 1655sf with open kitchen, custom tile backsplash and granite countertops throughout, an abundance of natural light, large inside storage, walk-in laundry room with custom cabinets also throughout as well. All bedrooms upstairs with walk in closets, additional storage closets and two full baths complete with custom tile showers. Half bath downstairs separate from utility and handy for guests. Large privacy fenced backyard and large front concrete driveway for parking divided for each unit use. Located in a quiet neighborhood and walking distance to the community playground park and with parent assistance to the Elementary School. Appointments to show must be made prior to showing with each tenant's approval. Both units are secured with executed tenant lease in place and must be honored upon sale of property.
Duplex
Property Type
6,621 sqft
Lot Size
2025
Year Built
Listing Date: 07/11/2026
Listed by: Sheri Kent
Listing office: DFW Elite
Source: NTREIS #21328817
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%
$490,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$490,000
Your Down Payment$98,000
Financed$392,000
Estimated Monthly Payment$3,540
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 ($98,000) and 5.6%, 30-year fixed. Your rate and down payment change this.
Current Rent
Current Rent
Market Rent
Estimated Monthly Payment (Before Rental Income)
$3,540/month
Principal + Interest
$2,250Property Taxes
$778Home Insurance
$512Estimated Monthly Payment (Before Rental Income)
$3,540/month
Principal + Interest
$2,250Property Taxes
$778Home Insurance
$512$3,540/month
$2,250
$778
$512
Rental Income (1 Unit)
$2,408/month
From the listing description.
Rental Expenses
-$361Rental Income (1 Unit)
$2,408/month
From the listing description.
Rental Expenses
-$361$2,408/month
-$361
Cost to live hereCost to live here, after rent
$1,493/month
Cost to live hereCost to live here, after rent
$1,493/month
$1,493/month
Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.
LOCATION
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.
MLS# 21328817 · Listing office: DFW Elite
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.