Active
2 units4 bd3 ba3,736 sqft
Cost to live here
$6,809/moafter $1,592/mo in rent
Income to qualify: about $212,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$1,195,000•House + ADU
3546 Private Rd 2562, Royse City, TX 75189
3546 Private Road 2562, Royse City, TX 75189
Active
Listed 42 days agoOwner-Occupant Eligible
About $4,920 a month to live here, after the rent from the other home.
House + ADU3,736 sqft4 beds3 bathsListed Oct 1, 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
$4,920a month
The second home on the lot rents for $1,592. We hold back $287 of that for repairs and an empty month, and the rest goes toward a $6,225 monthly payment.
Income to qualify: about $159,000 a year
With how much down?
At 20% down ($179,000) 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 $117,000 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.
$26,850 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Discover a true escape to the serenity of nature with this impeccable farm and ranch property nestled just outside the City Limits of Royse City. Perfectly combining rustic charm with modern amenities, this beautifully wooded 10 Acre Ag Exempt property offers Multigenerational Living with 3 separate living spaces - 2240 sq ft Renovated Log Cabin with 4 bedrooms, 2.5 baths, open concept with a large kitchen, butcher block countertops and stainless steel appliances. The livingroom has a woodburning Stone Fireplace, all overlooking the pool and wooded backyard. Expansive front, side and back porches to take in all the wooded views. A 875 sq ft Guest Barndominium with Separate Electric meter. This barndo is an open concept with 2 bedrooms and 1.5 bathrooms with Spray foam insulation and tankless HWH. Detached 2 Car Garage features a 621 sq ft Studio apartment with full bathroom and kitchenette. All have metal roofing and all have Fiber Optic Internet. Step outside to explore the expansive grounds, offering endless possibilities. Perfect for horse and animal lovers featuring a 36x48 Steel Frame Barn with Separate Electric Meter, 3 stalls, tack room, concrete floor and 2 roll up doors. 60 ft lighted metal round pen. 2 front separately fenced pastures. Whether you wish to cultivate a bountiful garden, indulge in equestrian activities, or simply roam under the canopy of mature trees, this land is your canvas. Set amongst heavily wooded surroundings, the lush greenery provides not only privacy but also a picturesque backdrop for your dream country lifestyle. This unique property combines the allure of secluded rural living with the convenience of nearby Royse City amenities, striking the perfect balance for anyone seeking a tranquil yet connected lifestyle. Adjoining 9.20 Acres available for purchase, making total 19.20 Acres, MLS #21408866. Seller is a Licensed Texas Realtor. One year Residential Service Contract of Buyer's Choice provided.
House + ADU
Property Type
435,600 sqft
Lot Size
1982
Year Built
Listing Date: 10/01/2026
Listed by: Crystal Garvin
Listing office: Coldwell Banker Apex, REALTORS
Source: NTREIS #21401358
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%
$895,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$895,000
Your Down Payment$179,000
Financed$716,000
Estimated Monthly Payment$6,225
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 ($179,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$6,225/month
Principal + Interest
$4,293Property Taxes
$1,226Home Insurance
$706Rental Income (1 Unit)
$1,592/month
From the listing description.
Rental Expenses
-$287Cost to live hereCost to live here, after rent
$4,920/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.
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MLS# 21401358 · Listing office: Coldwell Banker Apex, 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.
