Active
2 units3 bd3 ba2,610 sqft
Cost to live here
$4,946/moafter $1,138/mo in rent
Income to qualify: about $155,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$849,900•House + ADU
475 Massey Road, Gunter, TX 75058
414 N 5th Street 412, Gunter, TX 75058
Active
Listed 65 days agoOwner-Occupant Eligible
About $1,976 a month to live here, after the rent from the other home.
Duplex2,348 sqft3 beds2 bathsListed Sep 8, 2026
A duplex. Live in one home and rent out the other. How it works
Live here for about
$1,976a month
The other home rents for $1,050. We hold back $173 of that for repairs and an empty month, and the rest goes toward a $2,853 monthly payment.
Income to qualify: about $70,000 a year
With how much down?
At 20% down ($80,000) 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 $55,000 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.
$14,000 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Excellent investment opportunity in the growing community of Gunter! This well-maintained duplex offers approximately 2,348 total square feet of living space and provides an excellent opportunity for an investor or owner-occupant. Built in 2003, the property is conveniently located near the heart of Gunter with easy access to local schools, shopping, dining, and major routes. Each side offers comfortable living space with a functional layout, making this property ideal for rental income or multi-generational living. Enjoy the benefits of small-town living while being within convenient driving distance to Sherman, Frisco, and the rapidly growing North Texas area. Don’t miss this opportunity to own an income-producing property in one of North Texas’ fastest-growing communities! Unit #412 leased until 8-31-27 for $1,050 per month Unit #414 leased until 8-31-27 for 1,100 per month
Duplex
Property Type
10,890 sqft
Lot Size
2003
Year Built
Listing Date: 09/08/2026
Listed by: Bernard Bell
Listing office: OmniKey Realty, LLC.
Source: NTREIS #21381161
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%
$399,999
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$399,999
Your Down Payment$80,000
Financed$319,999
Estimated Monthly Payment$2,853
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 ($80,000) 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)
$2,853/month
Principal + Interest
$1,837Property Taxes
$613Home Insurance
$403Estimated Monthly Payment (Before Rental Income)
$2,853/month
Principal + Interest
$1,837Property Taxes
$613Home Insurance
$403$2,853/month
$1,837
$613
$403
Rental Income (1 Unit)
$1,050/month
From the listing description.
Rental Expenses
-$173Rental Income (1 Unit)
$1,050/month
From the listing description.
Rental Expenses
-$173$1,050/month
-$173
Cost to live hereCost to live here, after rent
$1,976/month
Cost to live hereCost to live here, after rent
$1,976/month
$1,976/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# 21381161 · 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.
