Preheat your oven to 350°F (175°C). Lightly grease a 9x13 inch baking dish with butter or non-stick cooking spray, coating the sides and bottom.
Cut each slice of Texas toast into roughly 1-inch cubes and spread them evenly across the bottom of the prepared baking dish. Day-old or slightly stale bread works best for absorbing the custard.
Peel, core, and thinly slice all 3 Granny Smith apples, then scatter the slices evenly over the bread cubes in a single layer.
In a large mixing bowl, whisk together the 6 eggs, whole milk, heavy cream, brown sugar, cinnamon, nutmeg, and vanilla extract until the sugar is fully dissolved and the mixture is uniform.
Pour the custard evenly over the bread and apple layer, then press the bread cubes gently down with a spatula so they absorb the liquid. Let sit for at least 10 minutes, or cover and refrigerate overnight for best results.
In a small bowl, combine the flour, brown sugar, and cinnamon, then work in the cold cubed butter using a pastry cutter or two forks until the mixture forms coarse, pea-sized crumbles.
Sprinkle the streusel evenly over the top of the casserole, then bake uncovered at 350°F for 45 to 55 minutes, until the top is golden brown and the center no longer jiggles.
Remove from the oven and let the casserole rest for 10 minutes before scooping into portions. Serve warm with maple syrup, powdered sugar, or whipped cream as desired.