Active
2 units5 bd5 ba3,050 sqft
Cost to live here
$3,526/moafter $903/mo in rent
Income to qualify: about $111,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$599,900•House + ADU
402 Hudgins St, Smithville, TX 78957
112 Gazley St, Smithville, TX 78957
Active
Listed 161 days agoOwner-Occupant Eligible
About $1,326 a month to live here, after the rent from the other home.
Duplex1,754 sqft5 beds3 bathsListed Jun 4, 2026
A duplex. Live in one home and rent out the other. How it works
Live here for about
$1,326a month
The other home rents for $1,413. We hold back $276 of that for repairs and an empty month, and the rest goes toward a $2,463 monthly payment.
Income to qualify: about $56,000 a year
With how much down?
At 20% down ($67,000) 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 $46,000 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.
$11,725 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Multi-Generational Home or Duplex available just seconds away from Main Street Smithville. Selling 2 homes for the price of 1, these remodeled homes all include: New Kitchens, New/Updated Bathrooms, New Flooring, Paint, New Energy Efficient Mini-Split System and New Roofs. The main house is 3 bedrooms, 2 baths with the original 1,004 sqft layout; while the second home is a new 2 bedrooms, 1 bathroom abode. Both homes sit on shared .25 acres and generate rents of $2,850 a month. Other great uses include using the home as a starter home, potential Short-Term Rental or possible commercial use. Smithville zoning map has the lot listed as Highway Commercial District. Call to take a look for yourself. Multiple great financing options.
Duplex
Property Type
10,759 sqft
Lot Size
1951
Year Built
Listing Date: 06/04/2026
Listed by: Lalo Herrera
Listing office: Keller Williams Realty
Contact: (512) 698-1588
Source: Unlock MLS #ACT6192615
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%
$335,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$335,000
Your Down Payment$67,000
Financed$268,000
Estimated Monthly Payment$2,463
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 ($67,000) and 5.6%, 30-year fixed. Your rate and down payment change this.
Current Rent
Current Rent
Market Rent
Estimated Monthly Payment (Before Rental Income)
$2,463/month
Principal + Interest
$1,539Property Taxes
$608Home Insurance
$316Estimated Monthly Payment (Before Rental Income)
$2,463/month
Principal + Interest
$1,539Property Taxes
$608Home Insurance
$316$2,463/month
$1,539
$608
$316
Rental Income (1 Unit)
$1,413/month
From leases in place.
Rental Expenses
-$276Rental Income (1 Unit)
$1,413/month
From leases in place.
Rental Expenses
-$276$1,350/month
-$263
Cost to live hereCost to live here, after rent
$1,326/month
Cost to live hereCost to live here, after rent
$1,326/month
$1,376/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# ACT6192615 · Listing office: Keller Williams Realty
Based on information submitted to the MLS GRID as of 2026. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
