Active
2 units6 bd4 ba6,387 sqft
Cost to live here
$5,651/moafter $2,000/mo in rent
Income to qualify: about $187,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$1,049,000•House + ADU
198 Rolling Oak Dr, Elgin, TX 78621
158 Buena Fortuna Rd, Elgin, TX 78621
Active
Listed 91 days agoOwner-Occupant Eligible
About $1,708 a month to live here, after the rent from the other home.
House + ADU1,440 sqft5 beds3 bathsListed Aug 13, 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
$1,708a month
The second home on the lot rents for $800. We hold back $120 of that for repairs and an empty month, and the rest goes toward a $2,388 monthly payment.
Income to qualify: about $59,000 a year
With how much down?
At 20% down ($69,000) 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 $45,000 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.
$10,350 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
No restrictions, no HOA — bring your vision! This 4-bedroom, 3-bathroom home sits on a fully fenced lot with a metal sliding gate for privacy and security. The upstairs offers a rare bonus: a second kitchen and additional room, perfect for multi-generational living, an in-law suite, or rental income potential. Outside, enjoy a built-in outdoor kitchen ideal for entertaining, plus a chicken coop and extra storage space for all your tools and toys. With no deed restrictions to hold you back, this Elgin property is ready for homesteading, hobby farming, or simply enjoying wide-open freedom just minutes from town. Don't miss this unique opportunity!
House + ADU
Property Type
23,522 sqft
Lot Size
2021
Year Built
Listing Date: 08/13/2026
Listed by: Jaziel Castro
Listing office: Stanberry REALTORS
Contact: (512) 227-9241
Source: Unlock MLS #ACT9832929
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%
$345,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$345,000
Your Down Payment$69,000
Financed$276,000
Estimated Monthly Payment$2,388
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 ($69,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$2,388/month
Principal + Interest
$1,655Property Taxes
$538Home Insurance
$195Rental Income (1 Unit)
$800/month
From the listing description.
Rental Expenses
-$120Cost to live hereCost to live here, after rent
$1,708/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# ACT9832929 · Listing office: Stanberry REALTORS
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.
