Selected for the Terner Labs Housing Venture Lab

132 Offer Ln, Llano, TX 78643

Active
Listed 147 days ago
Owner-Occupant Eligible
$584,000

About $3,046 a month to live here, after the rent from the other home.

House + ADU2,534 sqft2 beds3 bathsListed Jun 18, 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

$3,046a month

The second home on the lot rents for $1,138. We hold back $205 of that for repairs and an empty month, and the rest goes toward a $3,979 monthly payment.

Income to qualify: about $101,000 a year

With how much down?

At 20% down ($116,800) 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 $76,000 of it. See the ten-year math

See which homes fit your numbers
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.

$17,520 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

PRICE DROP! - Texas Hill Country Homestead on 10 Park-Like Acres! Site-built home, guest cabin, large garage, garden, greenhouse, and more! This property is located on the banks of Johnson Creek, just minutes west of Llano, Texas. Property features include rolling terrain, large shade trees, fertile soil, granite outcroppings, and frontage on seasonal Johnson Creek. The site-built home has a rock exterior, standing seam metal roof, stone fireplace, attached garage, and multiple bonus rooms that could easily be converted into additional bedrooms. Inside, you’ll find abundant built-in cabinetry. The home has also received substantial upgrades, including electrical and plumbing. A large, full-length back porch with great views of the creek creates a perfect setting for relaxing and entertaining. There is a separate 1 bed/1 bath cabin with a full kitchen, ideal for visitors or a mother-in-law suite. A large insulated detached garage/workshop (1,120 sq. ft.) on a slab with electricity is perfect for vehicle storage, workspace, or hobbies. For those with a green thumb, there is a high-fenced garden and greenhouse. All of this is supported by CTEC electric and a strong 40 GPM water well! Conveniently located approximately 5 minutes west of Llano, or 90 minutes northwest of Austin and San Antonio, in the heart of the Texas Hill Country. An additional 5 contiguous acres may be available.

House + ADU

Property Type

444,312 sqft

Lot Size

1982

Year Built

Listing Date: 06/18/2026

Listed by: Jason James

Listing office: Jesse James Real Estate

Contact: (325) 423-4415

Source: Unlock MLS #ACT6171237

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%
$584,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$584,000
Your Down Payment$116,800
Financed$467,200
Estimated Monthly Payment$3,979

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 ($116,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$3,979/month
Principal + Interest
$2,801
Property Taxes
$759
Home Insurance
$419
Rental Income (1 Unit)
$1,138/month

From the listing description.

Rental Expenses
-$205
Cost to live here
$3,046/month

Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.

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.

Unlock MLS logo

MLS# ACT6171237 · Listing office: Jesse James Real Estate

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.