186 Moonlight Drive, Murphy, TX 75094
About $4,627 a month to live here, after the rent from the other home.
A house with a second home on the lot. Live in one and rent out the other. How it works
Live here for about
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 $5,594 monthly payment.
Income to qualify: about $146,000 a year
With how much down?
At 20% down ($165,000) 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 $108,000 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.
$24,750 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Truly one-of-a-kind property offering incredible space, flexibility, and storage! The single-story main home features a covered patio and oversized two-car garage, while just across the driveway sits an impressive 1,500-square-foot detached garage complete with a private one-bedroom apartment featuring its own kitchen and full bathroom. Whether you need guest quarters, a home office, workshop, hobby space, or additional vehicle storage, the possibilities are endless! There is also dedicated space alongside the detached garage for RV parking. Inside the main home, every bedroom features its own en suite bathroom, providing exceptional privacy and convenience. The spacious kitchen offers leathered granite countertops along with abundant cabinetry and counter space. Unique details are found throughout, including a fabulous hidden storage room tucked behind a bookcase in the formal living room and a secret door in the office providing direct access to the primary closet. A truly distinctive property with thoughtful features and an abundance of space both inside and out! Plano ISD!!!
House + ADU
Property Type
41,818 sqft
Lot Size
2007
Year Built
Listing Date: 10/22/2026
Listed by: Erin Carlson
Listing office: Ebby Halliday Realtors
Source: NTREIS #21418257
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
List Price
FINANCIALS
How much do you want to put down?
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 ($165,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
From the listing description.
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# 21418257 · Listing office: Ebby Halliday 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.