Selected for the Terner Labs Housing Venture Lab

2320 Montclaire St, Austin, TX 78704

Active
Listed 70 days ago
Owner-Occupant Eligible
$1,023,900

About $4,398 a month to live here, after the rent from the other home.

Duplex2,216 sqft5 beds4 bathsListed Sep 3, 2026

A duplex. Live in one home and rent out the other. How it works

Live here for about

$4,398a month

The other home rents for $2,725. We hold back $491 of that for repairs and an empty month, and the rest goes toward a $6,632 monthly payment.

Income to qualify: about $161,000 a year

With how much down?

At 20% down ($204,780) and 5.6%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $141,000 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.

$35,837 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Experience the best of South Austin living in this beautifully updated duplex just minutes from Zilker Park, Barton Springs, South Lamar, and Downtown. Nestled in the highly sought-after 78704 zip code, this property offers walkable convenience, modern finishes, and private outdoor spaces—perfect for tenants seeking lifestyle, location, and comfort. This well-maintained duplex features two spacious units, each with its own unique layout, stylish upgrades, and abundant natural light. Both units include open living areas, updated kitchens, in-unit laundry, and dedicated parking. Mature trees and a quiet street create a peaceful setting while still being steps from Austin’s most iconic attractions, restaurants, and entertainment. Whether used for long-term tenants, short-term rental potential, or owner-occupancy with income, this property delivers exceptional versatility in one of Austin’s most desirable neighborhoods. Highlights Prime Zilker / South Lamar location Minutes to Downtown Austin, Barton Springs, and Lady Bird Lake Updated interiors with modern finishes Private outdoor spaces for each unit Strong rental demand and long-term lease stability Ideal for investors or owner-occupants If you want, I can also create: ?? Individual unit descriptions (2/2 and 3/2) ?? A combined duplex flyer ?? Short social media captions ?? A luxury-style or minimalist version depending on your listing style

Duplex

Property Type

9,230 sqft

Lot Size

1977

Year Built

Listing Date: 09/03/2026

Listed by: Radha Vallabhajosyula

Listing office: All City Real Estate Ltd. Co

Contact: (512) 791-3984

Source: Unlock MLS #ACT5092399

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%
$1,023,900

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$1,023,900
Your Down Payment$204,780
Financed$819,120
Estimated Monthly Payment$6,632

Before rent: principal and interest at 5.6% 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 ($204,780) and 5.6%, 30-year fixed. Your rate and down payment change this.

Current Rent
Estimated Monthly Payment (Before Rental Income)
$6,632/month
Principal + Interest
$4,702
Property Taxes
$1,564
Home Insurance
$366
Rental Income (1 Unit)
$2,725/month

From leases in place.

Rental Expenses
-$491
Cost to live here
$4,398/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# ACT5092399 · Listing office: All City Real Estate Ltd. Co

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.