Selected for the Terner Labs Housing Venture Lab

1814 Division Street, Commerce, TX 75428

Active
Listed 49 days ago
Owner-Occupant Eligible
$364,000

About $1,256 a month to live here, after the rent from the other home.

Duplex2,176 sqft6 beds4 bathsListed Sep 24, 2026

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

Live here for about

$1,256a month

The other home rents for $1,390. We hold back $209 of that for repairs and an empty month, and the rest goes toward a $2,437 monthly payment.

Income to qualify: about $56,000 a year

With how much down?

At 20% down ($72,800) 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 $50,000 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.

$12,740 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Welcome to this beautifully designed new-construction duplex conveniently located near East Texas A&M University. Modern finishes, thoughtful details, and a warm neutral palette give each unit a stylish yet comfortable feel. The eye-catching exterior features soft sage-green tones accented by bold black details, while inside, an open-concept layout is filled with natural light and finished with light-toned luxury vinyl plank flooring, crisp white walls, matte black fixtures, and contemporary lighting. Each kitchen features white shaker-style cabinetry, marbled quartz countertops, stainless steel appliances, and a modern tile backsplash, flowing seamlessly into the living and dining areas. A striking floor-to-ceiling black accent wall with an electric fireplace and natural wood mantel creates a beautiful focal point in the living space. Additional touches, including a statement barn door, spacious bedrooms, modern bathrooms, and generous storage, add character and functionality throughout. Outside, each unit offers its own private, wood-fenced backyard and covered patio, providing plenty of space to relax or entertain. Modern design, private outdoor spaces, and an excellent location make this duplex one you won’t want to miss!

Duplex

Property Type

8,059 sqft

Lot Size

2026

Year Built

Listing Date: 09/24/2026

Listed by: Jess Miller Miller

Listing office: Texas Urban Living Realty

Source: NTREIS #21393056

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%
$364,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$364,000
Your Down Payment$72,800
Financed$291,200
Estimated Monthly Payment$2,437

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 ($72,800) and 5.6%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$2,437/month
Principal + Interest
$1,672
Property Taxes
$429
Home Insurance
$336
Rental Income (1 Unit)
$1,390/month

From market rates for this unit's size.

Rental Expenses
-$209
Cost to live here
$1,256/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# 21393056 · Listing office: Texas Urban Living 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.