
At 20% down, 30-year fixed. From 3.5% down.
About $3,399 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 $1,264. We hold back $246 of that for repairs and an empty month, and the rest goes toward a $4,417 monthly payment.
Income to qualify: about $112,000 a year
With how much down?
At 20% down ($129,800) 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 $85,000 of it. See the ten-year math
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.
$19,470 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
TURNKEY BUNGALOW + INCOME-PRODUCING GUEST HOME — steps from Downtown Lockhart! Welcome to 811 S. Commerce — a beautifully restored craftsman bungalow with a fully separate, tenant-occupied guest home already generating rental income. Talk about a rare find! The main home is pristine, top to bottom. Classic curb appeal greets you with slate-blue siding, a cheerful coral front door, a durable metal roof, and a deep covered front porch made for rocking chairs and evening breezes. Inside, 3 bedrooms and 2.5 baths are thoughtfully laid out — 2 bedrooms plus a 1.5 bath downstairs, and a private bedroom retreat with its own full bath upstairs. Wide-plank wood-look flooring flows through an open living and dining area, anchored by a show-stopping stacked-stone fireplace. The kitchen is a showpiece too, with a designer chevron tile accent wall, a stainless farmhouse sink, and stainless appliances. Bathrooms are crisp, white, and fully updated. Step out back to a covered deck strung with market lights, overlooking a huge shaded backyard with a storage shed — plenty of room to entertain, garden, or just unwind. A gated side yard adds rare bonus parking for a boat, RV, or trailer. Then there's the guest home (813 S. Commerce) — 2 bedrooms, 1 bath, its own kitchen, its own driveway, and its own private backyard. It's currently tenant-occupied and cash-flowing from day one, making this the ultimate house-hack or investment add. No HOA. No detail overlooked. Just blocks from Lockhart's downtown shops, restaurants, and BBQ legends. Homes like this — move-in ready with built-in income — don't come around often.
House + ADU
Property Type
12,110 sqft
Lot Size
1920
Year Built
Listing Date: 07/27/2026
Listed by: Elizabeth Schmidtberger
Listing office: TS Realty
Contact: (210) 269-9940
Source: Unlock MLS #ACT5893119
Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.
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.
Change your offer and watch the monthly cost move.
Purchase Price
List Price
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.
Estimate at 20% down ($129,800) and 6.0%, 30-year fixed. Your rate and down payment change this.
From the listing description.
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.
BEFORE YOU OFFER
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# ACT5893119 · Listing office: TS 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.

At 20% down, 30-year fixed. From 3.5% down.

At 20% down, 30-year fixed. From 3.5% down.

At 20% down, 30-year fixed. From 3% down.

At 20% down, 30-year fixed. From 3.5% down.