Selected for the Terner Labs Housing Venture Lab

209 Pecan Street, Roxton, TX 75477

Active
Listed 97 days ago
Owner-Occupant Eligible
$275,000

About $1,206 a month to live here, after the rent from the other home.

House + ADU2,812 sqft3 beds3 bathsListed Aug 7, 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

$1,206a month

The second home on the lot rents for $1,138. We hold back $222 of that for repairs and an empty month, and the rest goes toward a $2,122 monthly payment.

Income to qualify: about $49,000 a year

With how much down?

At 20% down ($55,000) 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 $36,000 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.

$8,250 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Rich in character and thoughtfully restored, this Roxton home blends timeless craftsmanship with extensive modern improvements. Over the past several years, the owners have invested in restoring the home's integrity while preserving the charm that makes historic properties so special. The showpiece downstairs kitchen, completed in 2024, features custom solid oak cabinetry, granite countertops, an oversized island, dual convection ovens, a 5-burner gas cooktop with pot filler, and abundant workspace for cooking and gathering. A second upstairs kitchen offers added flexibility for multi-generational living, guests, or entertaining. Major updates include a new roof, extensive plumbing and electrical improvements, spray foam insulation in all five attic spaces, dual HVAC systems with new ductwork, restored original hardwood floors, structural floor and joist improvements, a beautifully rebuilt guest bathroom, and a welcoming front porch. Outside, you'll find a barn, interior fencing, and a storage connex with electricity, providing excellent space for hobbies, livestock, or storage. Enjoy the substantial improvements already completed, with the opportunity to add your own finishing touches to portions of the kitchen ceiling and primary ensuite. A completion estimate is available. If you've been dreaming of owning a historic home where much of the heavy lifting has already been done, this property offers the chance to enjoy classic character while adding your own finishing touches.

House + ADU

Property Type

55,365 sqft

Lot Size

1903

Year Built

Listing Date: 08/07/2026

Listed by: Shawna England

Listing office: Hygge Homes and Land

Source: NTREIS #21352639

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%
$275,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$275,000
Your Down Payment$55,000
Financed$220,000
Estimated Monthly Payment$2,122

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 ($55,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$2,122/month
Principal + Interest
$1,319
Property Taxes
$296
Home Insurance
$507
Rental Income (1 Unit)
$1,138/month

From the listing description.

Rental Expenses
-$222
Cost to live here
$1,206/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# 21352639 · Listing office: Hygge Homes and Land

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.