
At 20% down, 30-year fixed. From 3% down.
About $3,271 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 $2,000. We hold back $300 of that for repairs and an empty month, and the rest goes toward a $4,971 monthly payment.
Income to qualify: about $121,000 a year
With how much down?
At 20% down ($149,000) 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 $97,000 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.
$22,350 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
19892 Vilas Rd – Holland | 10 Acres | 2 Bed/2 Bath/2093 sqft + 1 Bed/1 Bath/1412 sqft Stop looking for a compromise. At 19892 Vilas Rd, you'll find everything the conventional home can't deliver: a thoughtfully designed primary residence paired with a fully independent shop/casita that functions as a separate income stream, guest retreat, creative studio, or home office; whatever your vision demands. Located in Holland's rich blackland farm community, just 10 miles east of charming Salado and approximately one hour from downtown Austin, this property is a rural escape, while still having convenient access to the amenities, culture, and opportunity of Central Texas. The 2,093 sqft main home is both intimate and spacious, with a generously sized bedroom, two full baths, and a dedicated primary suite that creates a private retreat. Open living areas flow smoothly onto Texas sized covered porches which will be your personal sanctuary for morning coffee, evening conversations, and gorgeous sunsets that define country living. This is where this property becomes extraordinary! The 1,412 sqft shop/casita is a fully equipped second residence with its own 1-bedroom layout, full kitchen, full bath, flex office space, and laundry hookups. The 10'x60' covered front porch and 20'x30' covered parking area transforms the property into a workshop haven for equipment, vehicles, hobbies, and projects that deserve real space. Work from home without compromise. Host extended family without sacrificing privacy. Build the guest house revenue stream you've imagined. Turn your hobby into something more. Nestled in excellent Holland ISD and surrounded by productive farmland and natural Texas beauty, this property doesn't ask you to choose. You can have it ALL on 10 private acres! For entrepreneurs, makers, and multigenerational dreamers, this is the rare opportunity that checks every box.
House + ADU
Property Type
435,600 sqft
Lot Size
2023
Year Built
Listing Date: 08/13/2026
Listed by: Joe Vega
Listing office: Christopher Realty Company
Contact: (313) 506-6011
Source: Unlock MLS #ACT3474825
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 ($149,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
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.
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MLS# ACT3474825 · Listing office: Christopher Realty Company
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.