Selected for the Terner Labs Housing Venture Lab

446 Roemer Rd, Elgin, TX 78621

Active
Listed 70 days ago
Owner-Occupant Eligible
$644,000

About $3,496 a month to live here, after the rent from the other home.

House + ADU2,096 sqft3 beds3 bathsListed Sep 3, 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

$3,496a month

The second home on the lot rents for $918. We hold back $165 of that for repairs and an empty month, and the rest goes toward a $4,249 monthly payment.

Income to qualify: about $110,000 a year

With how much down?

At 20% down ($128,800) 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 $84,000 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.

$19,320 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Your country oasis awaits. Set on 5.07 acres of beautiful Central Texas countryside, this exceptional property pairs acreage with an impressive collection of amenities, including a saltwater pool, one-bedroom guest house, 1,221-square-foot barn and RV parking. A mix of open pasture and wooded areas creates a picturesque setting with room to roam, entertain, pursue hobbies, or simply enjoy the peace and privacy of country living. The charming 3-bedroom, 2.5-bath main home is freshly painted throughout and features an inviting living area with vaulted ceilings and a wall of windows overlooking the pool. Wraparound porches invite you to linger outdoors, while the saltwater pool creates a resort-like retreat for long summer days. One of the property's most exceptional features is the ADU. Thoughtfully designed for accessibility, the separate residence features a full bathroom, large kitchen, laundry, and newly installed flooring. Whether used for extended family, guests, a caregiver, or a private retreat, the ADU offers an exceptional level of flexibility. For those who appreciate space for hobbies or recreation, the 1,221-square-foot barn/shop provides substantial room for projects and storage. Covered RV parking adds even more versatility, while the acreage offers plenty of possibilities for horses, gardening, or simply enjoying the natural beauty of the land. A wet-weather creek meanders along the edge of the property, providing a natural habitat for the abundant wildlife found throughout the area. Recent improvements include a new roof in 2022, new septic system in 2016, remodeled primary bathroom in 2020, fresh paint throughout the main house, new flooring in the ADU, and conversion of the pool to saltwater. Private, versatile, and beautifully positioned on 5.07 acres, this is a rare opportunity to create your own country retreat—with the space, amenities, and flexibility to make it truly your own.

House + ADU

Property Type

220,849 sqft

Lot Size

1979

Year Built

Listing Date: 09/03/2026

Listed by: Sherry LeBlanc

Listing office: Love Street Realty, LLC

Contact: (512) 954-1132

Source: Unlock MLS #ACT8774102

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%
$644,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$644,000
Your Down Payment$128,800
Financed$515,200
Estimated Monthly Payment$4,249

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 ($128,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$4,249/month
Principal + Interest
$3,089
Property Taxes
$814
Home Insurance
$346
Rental Income (1 Unit)
$918/month

From the listing description.

Rental Expenses
-$165
Cost to live here
$3,496/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# ACT8774102 · Listing office: Love Street Realty, LLC

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.