Selected for the Terner Labs Housing Venture Lab

1909 Hearthside Dr, Austin, TX 78757

Active
Listed 46 days ago
Owner-Occupant Eligible
$419,950

About $1,332 a month to live here, after the rent from the other home.

Duplex2,686 sqft5 beds2.5 bathsListed Sep 28, 2026

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

Live here for about

$1,332a month

The other home rents for $1,974. We hold back $355 of that for repairs and an empty month, and the rest goes toward a $2,951 monthly payment.

Income to qualify: about $65,000 a year

With how much down?

At 20% down ($83,990) 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 $58,000 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.

$14,698 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Large duplex. Check price per sqft on this! Great location and opportunity for owner occupant or large family to occupy both units, or just keep the whole place as a rental. 3 bedrooms in Unit A, and Unit B is a 2/1 with partially converted garage for 3rd bedroom. 1 car garage on both sides. Indoor utility rooms on both sides. Unit B is vacant for an owner occupant who wants a fixer upper while bringing in $1,250 per month from Unit A. Seller will consider owner financing - try minimum $200,000 down payment, 9.5% interest, amortization and balloon are negotiable. Price reflects need for repairs/updating.

Duplex

Property Type

6,909 sqft

Lot Size

1968

Year Built

Listing Date: 09/28/2026

Listed by: Cliff Nowell

Listing office: Greater Austin Realty®

Contact: (512) 964-1925

Source: Unlock MLS #ACT4306250

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%
$419,950

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$419,950
Your Down Payment$83,990
Financed$335,960
Estimated Monthly Payment$2,951

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 ($83,990) and 5.6%, 30-year fixed. Your rate and down payment change this.

Current Rent
Estimated Monthly Payment (Before Rental Income)
$2,951/month
Principal + Interest
$1,929
Property Taxes
$578
Home Insurance
$444
Rental Income (1 Unit)
$1,974/month

From the listing description.

Rental Expenses
-$355
Cost to live here
$1,332/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# ACT4306250 · Listing office: Greater Austin Realty®

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.