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
205 2nd Ave #1 & 2, Smithville, TX 78957
Active
Listed 135 days agoOwner-Occupant Eligible
About $1,481 a month to live here, after the rent from the other home.
Duplex1,680 sqft4 beds2 bathsListed Jun 30, 2026
A duplex. Live in one home and rent out the other. How it works
Live here for about
$1,481a month
The other home rents for $1,058. We hold back $190 of that for repairs and an empty month, and the rest goes toward a $2,349 monthly payment.
Income to qualify: about $56,000 a year
With how much down?
At 20% down ($71,800) 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 $49,000 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.
$12,565 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Cute duplex farmhouse style painted exterior, flooring updated, fresh paint. Fenced backyard and the front porch overlooking the neighbor's pasture. Each side has 2 bedrooms and 1 bath and is an open concept plan with the living, dining, kitchen open to each other. There is a breakfast bar and a lot of counter space and cabinets in the kitchen.
Duplex
Property Type
7,318 sqft
Lot Size
1981
Year Built
Listing Date: 06/30/2026
Listed by: Dawn Kana
Listing office: Kana Real Estate
Contact: (512) 413-3988
Source: Unlock MLS #ACT7933658
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%
$359,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$359,000
Your Down Payment$71,800
Financed$287,200
Estimated Monthly Payment$2,349
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 ($71,800) and 5.6%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$2,349/month
Principal + Interest
$1,649Property Taxes
$422Home Insurance
$278Rental Income (1 Unit)
$1,058/month
From what these units were listed for rent at on the MLS.
Rental Expenses
-$190Cost to live hereCost to live here, after rent
$1,481/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# ACT7933658 · Listing office: Kana 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.
