Selected for the Terner Labs Housing Venture Lab

19892 Vilas Rd, Holland, TX 76534

Active
Listed 91 days ago
Owner-Occupant Eligible
$745,000

About $3,271 a month to live here, after the rent from the other home.

House + ADU3,505 sqft3 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

$3,271a month

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

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.

$22,350 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

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.

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%
$745,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$745,000
Your Down Payment$149,000
Financed$596,000
Estimated Monthly Payment$4,971

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 ($149,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$4,971/month
Principal + Interest
$3,573
Property Taxes
$924
Home Insurance
$474
Rental Income (1 Unit)
$2,000/month

From the listing description.

Rental Expenses
-$300
Cost to live here
$3,271/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# 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.