About $3,526 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 $903. We hold back $176 of that for repairs and an empty month, and the rest goes toward a $4,253 monthly payment.
Income to qualify: about $111,000 a year
With how much down?
At 20% down ($119,980) 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 $78,000 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.
$17,997 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
ONE Address but THREE Homes. A Historic Home With Heart and Character! Built in 1931, this beautifully maintained Craftsman is the kind of home that feels special the moment you walk through the door. Located in Smithville’s Historic District, it is rich with character, featuring the original beautiful woodwork. With 4 bedrooms (or 3 plus an upstairs flex space) and 2.5 bathrooms in the main house, plus 2 independent guest spaces detached from the house, this property offers a rare combination of historic charm and flexible living spaces. Inside, the welcoming foyer opens to a central living room anchored by a wood-burning fireplace. The formal dining room connects to an updated kitchen featuring white shaker cabinetry, stainless steel appliances, and a cheerful built-in breakfast nook overlooking the backyard. The primary suite offers an en-suite bath with a walk-in tile shower, while 2 additional bedrooms share a full bathroom. Upstairs, a generous 4th bedroom or flex space and ½ bath have infinite possibilities. The detached two-story guest house with a 1-bay garage, offers a private 1-bedroom, 1-bath upper apartment with a full kitchen and living area, plus a lower efficiency space with a kitchenette and bath, ideal for guests, home offices, or rental income. Thoughtful improvements include a metal roof (2019), insulation beneath the home (2024), new AC compressor and motherboard (2025), cleaned air ducts, new water heater and sprinkler system. Smithville’s Historic District offers something increasingly hard to find, historic homes, mature trees, quiet streets and a genuine small-town sense of community. There is room to breathe here, with Buescher State Park and Bastrop State Park nearby. Just minutes from historic downtown Smithville, Main Street dining and shops, and with convenient access to Highway 71, you can enjoy the slower pace of small-town living while remaining within reach of Austin and ABIA.
House + ADU
Property Type
8,407 sqft
Lot Size
1931
Year Built
Listing Date: 09/17/2026
Listed by: Monica Poss
Listing office: Allure Real Estate
Contact: (512) 775-0974
Source: Unlock MLS #ACT1563216
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 ($119,980) 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# ACT1563216 · Listing office: Allure 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.
At 20% down, 30-year fixed. From 3.5% down.
At 20% down, 30-year fixed. From 3.5% down.
At 20% down, 30-year fixed. From 3.5% down.