Selected for the Terner Labs Housing Venture Lab

4109 Keele Drive, Garland, TX 75041

Active
Listed 56 days ago
Owner-Occupant Eligible
$390,000

About $2,166 a month to live here, after the rent from the other home.

House + ADU2,630 sqft5 beds3 bathsListed Sep 17, 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

$2,166a month

The second home on the lot rents for $1,006. We hold back $181 of that for repairs and an empty month, and the rest goes toward a $2,991 monthly payment.

Income to qualify: about $74,000 a year

With how much down?

At 20% down ($78,000) 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 $51,000 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.

$11,700 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Space, versatility, and room to make it your own, this 5-bedroom home offers an impressive layout with two living areas, two kitchens, an office, and a large backyard. The light-filled main living room features a brick fireplace, rustic wood beams, tall ceilings, and elegant glass French doors opening to the backyard. The main kitchen offers plenty of cabinet and counter space, along with a gas range for the home chef. The flexible floor plan includes two living areas, a dedicated office, two kitchens, and two laundry areas, providing exceptional functionality for a variety of living arrangements. The second family room includes a convenient kitchenette, creating a great space for guests, entertaining, or multigenerational living. The primary suite features an ensuite bath and walk-in closet, while the second bedroom also offers a walk-in closet. Step outside to the spacious, fenced backyard featuring a partially covered patio and large, mature trees providing shade and privacy. A 2-car garage and attached carport offer ample covered parking, with convenient coverage extending from the garage toward the home. With generous living spaces, a flexible layout, and a large backyard, this home offers plenty of room to fit your needs.

House + ADU

Property Type

16,379 sqft

Lot Size

1973

Year Built

Listing Date: 09/17/2026

Listed by: Amy Downs

Listing office: DHS Realty

Source: NTREIS #21388358

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%
$390,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$390,000
Your Down Payment$78,000
Financed$312,000
Estimated Monthly Payment$2,991

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 ($78,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$2,991/month
Principal + Interest
$1,871
Property Taxes
$623
Home Insurance
$497
Rental Income (1 Unit)
$1,006/month

From the listing description.

Rental Expenses
-$181
Cost to live here
$2,166/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# 21388358 · Listing office: DHS 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.