Active
2 units4 bd5 ba4,127 sqft
Cost to live here
$3,332/moafter $1,138/mo in rent
Income to qualify: about $108,000 a year, rent counted
At 20% down, 30-year fixed. From 3% down.
$575,000•House + ADU
403 E Bowie St, Luling, TX 78648
1506 Harwood Rd, Luling, TX 78648
Active
Listed 75 days agoOwner-Occupant Eligible
About $1,957 a month to live here, after the rent from the other home.
House + ADU2,916 sqft5 beds6 bathsListed Aug 29, 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
$1,957a month
The second home on the lot rents for $2,000. We hold back $330 of that for repairs and an empty month, and the rest goes toward a $3,627 monthly payment.
Income to qualify: about $83,000 a year
With how much down?
At 20% down ($105,000) 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 $69,000 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.
$15,750 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ABOUT THIS HOME
Beautiful Brick Ranch-Style Home with Pool on a Scenic Country Setting! Enjoy peaceful country living in this spacious 5-bedroom, 4 1/2-bathroom brick ranch-style home, ideally located just outside of town and surrounded by beautiful ranches. With no city taxes, this exceptional property offers the perfect combination of space, comfort, and versatility. Designed for entertaining and everyday living, the home features two spacious living areas, one with a cozy fireplace, as well as a dedicated office on the main floor. The primary suite is conveniently located downstairs and offers a private retreat with generous walk-in closets. The main kitchen is beautifully appointed with granite countertops, a center island, and a large walk-in pantry. A second full kitchen provides endless possibilities—ideal for multi-generational living, a mother-in-law suite, guest accommodations, or simply added convenience when entertaining. Upstairs, you'll find two additional bedrooms and a full bath, creating a comfortable space for family or guests. Step outside to your own backyard oasis featuring a sparkling in-ground swimming pool located just off the covered patio—perfect for relaxing or hosting gatherings. Additional features include a spacious first-floor laundry room, abundant storage, walk-in closets, and an attached two-car garage. If you've been searching for a home that offers room to spread out, flexible living spaces, and the tranquility of the countryside, this one is a must-see!
House + ADU
Property Type
71,177 sqft
Lot Size
2004
Year Built
Listing Date: 08/29/2026
Listed by: Ginger Robbins
Listing office: Riata Real Estate
Contact: (512) 284-0801
Source: Unlock MLS #ACT8270795
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%
$525,000
+15%List Price
FINANCIALS
How much do you want to put down?
Purchase price$525,000
Your Down Payment$105,000
Financed$420,000
Estimated Monthly Payment$3,627
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 ($105,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
Estimated Monthly Payment (Before Rental Income)
$3,627/month
Principal + Interest
$2,518Property Taxes
$671Home Insurance
$438Rental Income (1 Unit)
$2,000/month
From the listing description.
Rental Expenses
-$330Cost to live hereCost to live here, after rent
$1,957/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.
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MLS# ACT8270795 · Listing office: Riata 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.