Selected for the Terner Labs Housing Venture Lab

154 Private Road 5926, Yantis, TX 75497

Active
Listed 58 days ago
Owner-Occupant Eligible
$579,000

About $2,867 a month to live here, after the rent from the other home.

House + ADU1,915 sqft2 beds2 bathsListed Sep 15, 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

$2,867a month

The second home on the lot rents for $1,138. We hold back $188 of that for repairs and an empty month, and the rest goes toward a $3,817 monthly payment.

Income to qualify: about $96,000 a year

With how much down?

At 20% down ($115,800) 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 $76,000 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.

$17,370 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Wake up to the water, step onto your own dock & make Lake Fork your everyday escape! Set on nearly an acre overlooking White Oak Bay, this waterfront retreat invites you to trade crowded weekends for morning casts, afternoons chasing bass & evenings sharing stories by the water. With direct lake access, a boathouse, boat slip & covered & uncovered dock areas, your next fishing adventure begins right outside your door. Explore the possibility of adding your own launch ramp, subject to site suitability & required approvals, to complete your vision of lake life. Inside, a wall of windows frames the views & fills the oversized living area with natural light. A brick fireplace, open floor plan & spacious kitchen with abundant counter space & a breakfast bar create an inviting setting for gathering after a day on the lake. Covered front & rear porches offer room to slow down, while the fenced backyard is ready for outdoor gatherings & moments overlooking the water. A separate guest house with its own full kitchen, bath & attached garage gives fishing partners, family & friends a private place to unwind, with flexibility for a home office or studio. Multiple garages, a circular drive, RV pad, RV hookup & dedicated boat & RV parking provide space for the gear, watercraft & extras that make this lifestyle yours. Tucked along a private road with no HOA, this retreat offers a peaceful setting with convenient access to Yantis via nearby SH 154 & FM 17, with shopping, dining, groceries & hospital access nearby. Imagine a weekend that never has to end, with room to host family & friends & the freedom to spend more time doing what you love. Waterfront access, separate guest quarters & room for your lake toys make this more than a getaway. It is a place to build traditions around the water. When this combination is gone, the next property may not offer these possibilities. Bring your boat, your fishing gear & your vision. Schedule your private showing & claim your Lake Fork escape!

House + ADU

Property Type

37,026 sqft

Lot Size

1994

Year Built

Listing Date: 09/15/2026

Listed by: Hai Hoang

Listing office: Monument Realty

Source: NTREIS #21375709

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%
$579,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$579,000
Your Down Payment$115,800
Financed$463,200
Estimated Monthly Payment$3,817

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 ($115,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$3,817/month
Principal + Interest
$2,777
Property Taxes
$752
Home Insurance
$288
Rental Income (1 Unit)
$1,138/month

From the listing description.

Rental Expenses
-$188
Cost to live here
$2,867/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# 21375709 · Listing office: Monument Realty

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.