Houston rental market data worth knowing:

Median SFR: ~$320K
Avg 3BR rent: $1,700–$2,100/mo
Min down (DSCR): 20–25%
Inventory: up 37% YoY

NW Houston (77084), Pasadena, N. Houston corridor showing the strongest cash flow math right now.

#HoustonInvestor

DSCR in plain terms:

Monthly Rent ÷ Monthly PITIA = DSCR

$260K Houston rental:
$2,050 rent / $1,720 PITIA = 1.19

1.0 = breaks even
1.25 = strong qualification

No W-2s. No personal income review.
The deal qualifies itself.

#DSCRLoan #HoustonInvestor

Why Katy keeps coming up for Houston first-time buyers:

→ Median home: ~$315–$350K
→ Katy ISD schools
→ Energy Corridor: 15–25 min
→ Property tax: ~2.0–2.4%

$330K buys a real 3/2 with a yard.
That's harder to find closer in.

#KatyTX #HoustonHomes

Self-employed Houston buyers — timing matters.

Lenders qualify you on taxable income.
Heavy write-offs lower that number.

The conversation to have with a lender:
before tax season, not after you've already filed.

#SelfEmployed #HoustonMortgage

Houston has down payment assistance most buyers don't know about.

→ Harris County: up to $23,800
→ City of Houston: up to $30,000
→ TDHCA statewide: up to 5% of loan

Income and location limits apply.
A lot of Greater Houston qualifies.

#DownPaymentAssistance

"Waiting to save more" has a real cost.

Houston median rent (3BR): ~$1,800/mo
12 months = $21,600 with zero equity built.

Owning instead means principal paydown + appreciation.

Waiting isn't wrong. But it's not free either.

#RentVsBuy #HoustonHomes

How long does buying a home in Houston actually take?

Pre-approval: 1–2 days
Search: 2–8 weeks
Inspection window: 7–10 days
Underwriting: 2–3 weeks
Closing: day 35–45

The slowest part is usually the decision to start.

#HoustonHomebuyer

Houston is one of the most buyer-friendly major metros in 2026.

Median price: ~$330K
National median: ~$427K
Inventory: up 37% YoY

More homes, less competition, lower prices.

Katy. Pearland. Cypress. All still in reach.

#HoustonRealEstate

Credit score stuck?

Fastest moves that actually work:
→ Get utilization under 30% on each card
→ Keep old accounts open
→ Dispute medical collection errors

30–60 point gains in 60–90 days are possible.

#CreditScore #HoustonHomebuyer

Rent vs. own in Houston right now:

Avg 3BR rent: $1,700–$2,100/mo
Owning a comparable home: often within $200–$300 of that

One of those payments builds equity.
The other doesn't.

The gap is smaller than most people assume.

#HoustonHomes #HoustonMortgage

Biggest myth in Houston home buying:

You need 20% down.

Reality:
→ 3.5% FHA
→ 3% Conventional
→ 0% VA

On a $330K home, 3.5% = under $12K.

Most people pay more than that in rent every year.

#HoustonRealEstate #FirstTimeHomebuyer