Active
2 units3 bd2 ba2,348 sqft
Cost to live here
$1,976/moafter $1,050/mo in rent
Income to qualify: about $70,000 a year, rent counted
At 20% down, 30-year fixed. From 3.5% down.
$399,999•Duplex
414 N 5th Street 412, Gunter, TX 75058
475 Massey Road, Gunter, TX 75058
Active
Listed 47 days agoOwner-Occupant Eligible
About $4,946 a month to live here, after the rent from the other home.
House + ADU2,610 sqft3 beds3 bathsListed Sep 26, 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
$4,946a month
The second home on the lot rents for $1,138. We hold back $171 of that for repairs and an empty month, and the rest goes toward a $5,913 monthly payment.
Income to qualify: about $155,000 a year
With how much down?
At 20% down ($169,980) 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 $111,000 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.
$25,497 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Luxury Modern Custom 2,610 Sq Ft Farmhouse on 1.337 Unrestricted Acres with 864 sq ft Guest House! Nestled on 1.337 acres with no HOA and no restrictions, this stunning custom-built modern farmhouse offers the perfect blend of luxury, comfort, and country living. The thoughtfully designed open-concept floor plan showcases beautiful cathedral ceilings, spacious living areas, and abundant natural light throughout. The heart of the home flows seamlessly to an expansive covered patio, complete with a mounted TV, creating the ultimate indoor-outdoor entertainment space. Movie nights will never be the same in the dedicated media room. The home is loaded with premium extras, including Café appliances. A rare and valuable bonus is the 864-square-foot guest house, offering endless possibilities for multigenerational living, guests, rental income, or hobby space.
House + ADU
Property Type
58,240 sqft
Lot Size
2021
Year Built
Listing Date: 09/26/2026
Listed by: Julie Samano
Listing office: Regal, REALTORS
Source: NTREIS #21395936
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%
$849,900
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$849,900
Your Down Payment$169,980
Financed$679,920
Estimated Monthly Payment$5,913
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 ($169,980) and 6.0%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$5,913/month
Principal + Interest
$4,076Property Taxes
$1,434Home Insurance
$403Rental Income (1 Unit)
$1,138/month
From the listing description.
Rental Expenses
-$171Cost to live hereCost to live here, after rent
$4,946/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# 21395936 · Listing office: Regal, REALTORS
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.
