10710 Laneview Dr, Houston, TX 77070
5bd / 2.5ba · 2,892 sqft · built 1972 · Single Family (SFR)Analyzed Jul 29, 2026$
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Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
✅
PASSES FLIP
Min 20% ROI · 6-mo hold
40.0%
Flip ROI
Cash to First Close
$22,500
what you bring day 1
Net Profit
$17,542
Max Bid @ 20%
$207,774
$17,542 profit ÷ $43,824 total invested = 40.0%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$239,999
Purchase (95% LTV)
$189,999
Rehab (100%)
$50,000
Loan-to-ARV
72.1%
Monthly Interest
$1,998/mo
Down Payment5% of $199,999 purchase
$10,000+
Origination Fee1 pts on $239,999 loan
$2,500+
Closing Costs5% of purchase
$10,000=
Cash to First Close
$22,500Holding Period — 6 Months
HML Interest9.99% IO · $1,998/mo × 6$11,988
Property Taxes$514/mo × 6$3,086
Insurance$208/mo × 6$1,250
Total Holding Costs$16,324
Contingency Reserve10% of rehab — held, not at first close$5,000
Sale Event — Second Close
Sale Price (ARV)
$333,000−
HML Principal Payofffull IO loan balance
$239,999−
Closing Costs3.5% of sale price
$11,655−
Realtor Commission6% of sale price
$19,980=
Net Proceeds to You
$61,366Deal Summary
Net Proceeds at Closing
$61,366−
Cash to First Close
$22,500−
Holding Costs (6 mo)
$16,324−
Contingency Reserve
$5,000=
NET PROFIT
$17,542Max Bid by ROI Target
| ROI | Max Bid | vs Offer |
|---|---|---|
| 10% | $211,761 | ✓ ok |
| 15% | $209,754 | ✓ ok |
| 20% ← | $207,774 | ✓ ok |
| 25% | $205,822 | ✓ ok |
| 30% | $203,898 | ✓ ok |
Scenario 2 — HM→DSCR
Hard money @ 9.99% IO → DSCR refi · 75% ARV · 7.1% / 30yr
❌
FAILS DSCR
Min 1.30x · 7.1% / 30-yr DSCR · 75% of ARV
1.031x
DSCR
Monthly Cash Flow
$51/mo
Cash-on-Cash Yr 1
2.0%
$30,683 left in deal
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$239,999
Purchase (95% LTV)
$189,999
Rehab (100%)
$50,000
Loan-to-ARV
72.1%
Monthly Interest
$1,998/mo
Down Payment5% of $199,999 purchase
$10,000+
Origination Fee1 pts on $239,999 loan
$2,500+
Closing Costs5% of purchase
$10,000=
Cash to First Close
$22,500Holding Period — 2 Months
HML Interest9.99% IO · $1,998/mo × 2$3,996
Property Taxes$514/mo × 2$1,029
Insurance$208/mo × 2$417
Total Holding Costs$5,441
Contingency Reserve10% of rehab — held, not at first close$5,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$249,750−
HML Principal Payofffull IO loan balance
$239,999−
Origination Fee1 pts on $249,750
$2,498−
Closing Coststitle / appraisal / escrow
$4,995=
Cash Back to You
+$2,258Deal Summary
Cash to First Close
$22,500+
Holding Costs (2 mo)
$5,441+
Contingency Reserve
$5,000−
Cash Back at Refi
−$2,258=
Capital Left in Deal
$30,683Equity Position — Day 1 Post-Refi
ARV
$333,000−
DSCR Loan Balance
$249,750=
Equity in Property
$83,250 (25.0%)−
Capital Left in Deal
$30,683=
Value Created
$52,567$83,250 equity on $30,683 deployed = 2.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,787−
Property Taxes
$514−
Insurance
$208−
Maintenance (6% rent)
$167−
Management (6% rent)
$167=
OpEx Subtotal
$1,057=
Net Operating Income
$1,730−
DSCR P&I
$1,678/mo=
Net Cash Flow
$51/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$249,750
Monthly P&I$1,678/mo
Net Cash Flow$51/mo
Cash Back at Refi+$2,258
DSCR
1.031x✗ Fail
Lender DSCR
1.161x✓ Pass
No Cash-Out
74.3% LTV — breakeven refi
Loan Amount$247,422
Monthly P&I$1,663/mo
Net Cash Flow$67/mo
Cash Back at Refi+$0
DSCR
1.040x✗ Fail
Lender DSCR
1.168x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $2,728/mo | ✓ met |
| 1.10x | $2,919/mo | +$132 needed |
| 1.20x | $3,110/mo | +$323 needed |
| 1.30x ← | $3,301/mo | +$514 needed |
| 1.40x | $3,491/mo | +$704 needed |
Scenario 3 — Cash→DSCR
All-cash purchase → DSCR refi · 75% ARV · 7.1% / 30yr
❌
FAILS DSCR
Min 1.30x · 7.1% / 30-yr DSCR · 75% of ARV
1.031x
DSCR
Monthly Cash Flow
$51/mo
Cash-on-Cash Yr 1
2.6%
$24,187 left in deal
Acquisition Event — First Close
Purchase Price
$199,999+
Rehab Budget
$50,000+
Closing Costs5% of purchase
$10,000=
Total Cash to First Close
$259,999Holding Period — 2 Months
Property Taxes$514/mo × 2$1,029
Insurance$208/mo × 2$417
Total Holding Costs$1,445
Contingency Reserve10% of rehab — held, not at first close$5,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$249,750−
Origination Fee1 pts on $249,750
$2,498−
Closing Coststitle / appraisal / escrow
$4,995=
Net Cash Recovered
$242,258Deal Summary
Total Cash to First Close
$259,999+
Holding Costs (2 mo)
$1,445+
Contingency Reserve
$5,000−
Net Cash Recovered at Refi
$242,258=
Capital Left in Deal
$24,187Equity Position — Day 1 Post-Refi
ARV
$333,000−
DSCR Loan Balance
$249,750=
Equity in Property
$83,250 (25.0%)−
Capital Left in Deal
$24,187=
Value Created
$59,063$83,250 equity on $24,187 deployed = 3.4× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,787−
Property Taxes
$514−
Insurance
$208−
Maintenance (6% rent)
$167−
Management (6% rent)
$167=
OpEx Subtotal
$1,057=
Net Operating Income
$1,730−
DSCR P&I
$1,678/mo=
Net Cash Flow
$51/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$249,750
Monthly P&I$1,678/mo
Net Cash Flow$51/mo
Cash Still Required−$24,187
DSCR
1.031x✗ Fail
Lender DSCR
1.161x✓ Pass
No Cash-Out
75.0% LTV — capped short $24,187
Loan Amount$249,750
Monthly P&I$1,678/mo
Net Cash Flow$51/mo
Cash Still Required−$24,187
DSCR
1.031x✗ Fail
Lender DSCR
1.161x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $2,728/mo | ✓ met |
| 1.10x | $2,919/mo | +$132 needed |
| 1.20x | $3,110/mo | +$323 needed |
| 1.30x ← | $3,301/mo | +$514 needed |
| 1.40x | $3,491/mo | +$704 needed |