Active
2 units3 bd3 ba2,444 sqft
Cost to live here
$4,899/moafter $1,138/mo in rent
Income to qualify: about $152,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$849,999•House + ADU
6326 Fm 2965, Wills Point, TX 75169
6306 Vz County Road 2120, Wills Point, TX 75169
Active
Listed 36 days agoOwner-Occupant Eligible
About $2,249 a month to live here, after the rent from the other home.
House + ADU2,564 sqft3 beds2 bathsListed Oct 7, 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
$2,249a month
The second home on the lot rents for $2,000. We hold back $300 of that for repairs and an empty month, and the rest goes toward a $3,949 monthly payment.
Income to qualify: about $92,000 a year
With how much down?
At 20% down ($124,000) 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 $81,000 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.
$18,600 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 beautiful East Texas, the gateway to nature and peaceful surroundings. This property offers 2 homes. The main home built in 2006 approx. 1450 sq.ft. 3 bedrooms, 2 bath, 1st level main bed and bath, 2nd level 2 bedrooms & 1 bath-remodeled, loft that overlooks the lower living area. Rebuilt HVAC unit, new pump on septic, roof is approx. 4 years old. Second home is approx. 1250 sq.ft. built in 2024, 3 bedrooms, 1 bath, eat in kitchen,loft, HVAC is still under parts warranty, wood laminate flooring in kitchen, bath & living area, carpet in the bedrooms,covered back porch. The property has many trees, the front half (approx.) is cleared enough for the homes and a great yard. The back half of the property is heavily wooded providing room to explore nature. 1 storage building, 1-10X10 out building with water and electric. The homes share a water meter but each home has its own septic and electrical meter. Unique property offering multi generational living in a beautiful setting.
House + ADU
Property Type
389,426 sqft
Lot Size
2006
Year Built
Listing Date: 10/07/2026
Listed by: Kim Loven
Listing office: United Real Estate
Source: NTREIS #21406173
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%
$620,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$620,000
Your Down Payment$124,000
Financed$496,000
Estimated Monthly Payment$3,949
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 ($124,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$3,949/month
Principal + Interest
$2,974Property Taxes
$590Home Insurance
$385Rental Income (1 Unit)
$2,000/month
From the listing description.
Rental Expenses
-$300Cost to live hereCost to live here, after rent
$2,249/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# 21406173 · Listing office: United Real Estate
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.
