Selected for the Terner Labs Housing Venture Lab

1357 County Road 3504, Bullard, TX 75757

Active
Listed 58 days ago
Owner-Occupant Eligible
$1,099,000

About $5,073 a month to live here, after the rent from the other home.

Duplex3,789 sqft3 beds3 bathsListed Sep 15, 2026

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

Live here for about

$5,073a 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 $7,120 monthly payment.

Income to qualify: about $177,000 a year

With how much down?

At 20% down ($219,800) 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 $151,000 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.

$38,465 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

AMAZING OWNER-FINANCE OPPORTUNITY AT JUST 5.5%! Discover this one-of-a-kind East Texas estate situated on 10 beautiful pasture and wooded acres with towering trees, panoramic views, and additional acreage available. This impressive 3,789 SF custom home blends rustic elegance, luxury amenities, and private country living. Inside, soaring plank ceilings, floating bamboo floors, a stunning river rock fireplace, and a wall of windows overlooking the resort-style backyard highlight the expansive great room. The chef’s kitchen features a farmhouse sink, custom cabinetry, granite countertops with waterfall ledge, curved island with bar seating, and large walk-in pantry. The oversized primary suite offers beautiful property views and a spa-inspired bath with dual sinks, oversized shower, generous counter space, and massive closet with island wardrobe. Additional features include spray foam insulation, tankless water heaters, a Generac whole-home generator, 8KW solar system, and laundry room that doubles as a tornado shelter or safe room. Enjoy your own private resort with a gunite pool featuring beach entry, waterfall, slide, and diving rock, plus a covered patio and firepit. The property also includes a natural creek, lake access directly across the street, and a mature fruit orchard. A 980 SF barn with living quarters offers 2 bedrooms, full kitchen, living area, laundry, and bath—ideal for guests, extended family, or multigenerational living. A rare East Texas property offering acreage, privacy, recreation, and an incredible 5.5% owner-financing opportunity!

Duplex

Property Type

435,600 sqft

Lot Size

2017

Year Built

Listing Date: 09/15/2026

Listed by: Karl Crawford

Listing office: Keller Williams Realty-Tyler

Source: NTREIS #21386694

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%
$1,099,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$1,099,000
Your Down Payment$219,800
Financed$879,200
Estimated Monthly Payment$7,120

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 ($219,800) and 5.6%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$7,120/month
Principal + Interest
$5,047
Property Taxes
$1,532
Home Insurance
$541
Rental Income (1 Unit)
$2,408/month

From the listing description.

Rental Expenses
-$361
Cost to live here
$5,073/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# 21386694 · Listing office: Keller Williams Realty-Tyler

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.