Selected for the Terner Labs Housing Venture Lab

1309 S 5th Avenue, Denison, TX 75021

Active
Listed 72 days ago
Owner-Occupant Eligible
$365,000

About $1,516 a month to live here, after the rent from the other home.

Duplex2,556 sqft6 beds6 bathsListed Sep 1, 2026

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

Live here for about

$1,516a month

The other home rents for $1,300. We hold back $195 of that for repairs and an empty month, and the rest goes toward a $2,621 monthly payment.

Income to qualify: about $61,000 a year

With how much down?

At 20% down ($73,000) 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 $50,000 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.

$12,775 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Investment Opportunity! Stunning duplex fully rented, each side has 3-bedroom, 2.5-bath 1,224S.F. offering modern style, durability, and everyday comfort. This beautifully designed home features eye-catching epoxy concrete flooring throughout, combining a sleek look with low-maintenance living. The open-concept layout is enhanced by ceiling fans and faux wood blinds, creating a bright and inviting space. The kitchen is a standout with an open bar area, shaker-style cabinetry, and granite countertops—perfect for cooking, entertaining, and gathering. Granite continues into the bathrooms, adding a cohesive and upscale finish throughout the home. Enjoy the convenience of full-size washer and dryer connections, along with spacious bedrooms that provide comfort and privacy. Step outside to a fenced backyard, ideal for relaxing, pets, or outdoor entertaining. Located near local shopping, dining, and major roadways, this home offers both comfort and convenience. Unit #1309 is rented until 7-1-27 for $1,300 Unit #1311 is rented until 7-23-27 for $1,325

Duplex

Property Type

5,489 sqft

Lot Size

2022

Year Built

Listing Date: 09/01/2026

Listed by: Bernard Bell

Listing office: OmniKey Realty, LLC.

Source: NTREIS #21375146

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%
$365,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$365,000
Your Down Payment$73,000
Financed$292,000
Estimated Monthly Payment$2,621

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 ($73,000) and 5.6%, 30-year fixed. Your rate and down payment change this.

Current Rent
Estimated Monthly Payment (Before Rental Income)
$2,621/month
Principal + Interest
$1,676
Property Taxes
$550
Home Insurance
$395
Rental Income (1 Unit)
$1,300/month

From the listing description.

Rental Expenses
-$195
Cost to live here
$1,516/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# 21375146 · Listing office: OmniKey Realty, 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.