Active
2 units4 bd2 ba2,035 sqft
Cost to live here
$89/moafter $1,820/mo in rent
Income to qualify: about $27,000 a year, rent counted
At 20% down, 30-year fixed. From 3.5% down.
$219,000•Duplex
111 E Spence Street, Sulphur Springs, TX 75482
120 Maxwell, Sulphur Springs, TX 75482
Active
Listed 62 days agoOwner-Occupant Eligible
About $949 a month to live here, after the rent from the other home.
Duplex2,292 sqft6 beds4 bathsListed Sep 11, 2026
A duplex. Live in one home and rent out the other. How it works
Live here for about
$949a month
The other home rents for $1,971. We hold back $296 of that for repairs and an empty month, and the rest goes toward a $2,624 monthly payment.
Income to qualify: about $55,000 a year
With how much down?
At 20% down ($79,800) 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.
$13,965 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
NEW CONSTRUCTION DUPLEX APPROX 80 MILES FROM DFW offering a fresh, modern feel and a convenient location! Each side features open concept living & kitchen space along with 3 bedrooms & 2 full bathrooms. Custom tile showers complemented with gold fixtures add designer touch to really stand out. Separate fenced backyards provide privacy for each residence, while ample parking adds everyday convenience. Located with easy access to I-30 and close proximity t to the downtown area, dining, shopping, healthcare & more. LIVE IN ONE SIDE & RENT THE OTHER, share with family or utilize both sides as an investment opportunity. With nearly 2,500 square feet under roof, this newly completed duplex offers flexibility for a variety of ownership needs.
Duplex
Property Type
12,066 sqft
Lot Size
2025
Year Built
Listing Date: 09/11/2026
Listed by: Kristen Davenport
Listing office: Century 21 Butler Real Estate
Source: NTREIS #21384040
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%
$399,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$399,000
Your Down Payment$79,800
Financed$319,200
Estimated Monthly Payment$2,624
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 ($79,800) and 5.6%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$2,624/month
Principal + Interest
$1,832Property Taxes
$482Home Insurance
$310Rental Income (1 Unit)
$1,971/month
From the listing description.
Rental Expenses
-$296Cost to live hereCost to live here, after rent
$949/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# 21384040 · Listing office: Century 21 Butler Real Estate
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.
