14826 Easingwold Dr, Houston, TX 77015
3bd / 2ba · 1,695 sqft · built 1979 · Single Family (SFR)Analyzed Jul 18, 2026$
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Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
✅
PASSES FLIP
Min 20% ROI · 6-mo hold
147.6%
Flip ROI
Cash to First Close
$16,000
what you bring day 1
Net Profit
$44,315
Max Bid @ 20%
$169,441
$44,315 profit ÷ $30,020 total invested = 147.6%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$158,250
Purchase (95% LTV)
$128,250
Rehab (100%)
$30,000
Loan-to-ARV
61.6%
Monthly Interest
$1,317/mo
Down Payment5% of $135,000 purchase
$6,750+
Origination Fee1 pts on $158,250 loan
$2,500+
Closing Costs5% of purchase
$6,750=
Cash to First Close
$16,000Holding Period — 6 Months
HML Interest9.99% IO · $1,317/mo × 6$7,905
Property Taxes$382/mo × 6$2,291
Insurance$138/mo × 6$825
Total Holding Costs$11,020
Contingency Reserve10% of rehab — held, not at first close$3,000
Sale Event — Second Close
Sale Price (ARV)
$257,000−
HML Principal Payofffull IO loan balance
$158,250−
Closing Costs3.5% of sale price
$8,995−
Realtor Commission6% of sale price
$15,420=
Net Proceeds to You
$74,335Deal Summary
Net Proceeds at Closing
$74,335−
Cash to First Close
$16,000−
Holding Costs (6 mo)
$11,020−
Contingency Reserve
$3,000=
NET PROFIT
$44,315Max Bid by ROI Target
| ROI | Max Bid | vs Offer |
|---|---|---|
| 10% | $172,515 | ✓ ok |
| 15% | $170,967 | ✓ ok |
| 20% ← | $169,441 | ✓ ok |
| 25% | $167,936 | ✓ ok |
| 30% | $166,452 | ✓ 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
0.830x
DSCR
Monthly Cash Flow
−$220/mo
Cash-on-Cash Yr 1
N/A
−$6,044 left in deal
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$158,250
Purchase (95% LTV)
$128,250
Rehab (100%)
$30,000
Loan-to-ARV
61.6%
Monthly Interest
$1,317/mo
Down Payment5% of $135,000 purchase
$6,750+
Origination Fee1 pts on $158,250 loan
$2,500+
Closing Costs5% of purchase
$6,750=
Cash to First Close
$16,000Holding Period — 2 Months
HML Interest9.99% IO · $1,317/mo × 2$2,635
Property Taxes$382/mo × 2$764
Insurance$138/mo × 2$275
Total Holding Costs$3,673
Contingency Reserve10% of rehab — held, not at first close$3,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$192,750−
HML Principal Payofffull IO loan balance
$158,250−
Origination Fee1 pts on $192,750
$1,928−
Closing Coststitle / appraisal / escrow
$3,855=
Cash Back to You
+$28,718Deal Summary
Cash to First Close
$16,000+
Holding Costs (2 mo)
$3,673+
Contingency Reserve
$3,000−
Cash Back at Refi
−$28,718=
Capital Left in Deal
−$6,044Equity Position — Day 1 Post-Refi
ARV
$257,000−
DSCR Loan Balance
$192,750=
Equity in Property
$64,250 (25.0%)−
Capital Left in Deal
−$6,044=
Value Created
$70,294Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,812−
Property Taxes
$382−
Insurance
$138−
Maintenance (6% rent)
$109−
Management (6% rent)
$109=
OpEx Subtotal
$737=
Net Operating Income
$1,075−
DSCR P&I
$1,295/mo=
Net Cash Flow
−$220/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$192,750
Monthly P&I$1,295/mo
Net Cash Flow−$220/mo
Cash Back at Refi+$28,718
DSCR
0.830x✗ Fail
Lender DSCR
0.999x✗ Fail
No Cash-Out
63.5% LTV — breakeven refi
Loan Amount$163,144
Monthly P&I$1,096/mo
Net Cash Flow−$21/mo
Cash Back at Refi+$0
DSCR
0.981x✗ Fail
Lender DSCR
1.122x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $2,062/mo | +$250 needed |
| 1.10x | $2,209/mo | +$397 needed |
| 1.20x | $2,356/mo | +$544 needed |
| 1.30x ← | $2,504/mo | +$692 needed |
| 1.40x | $2,651/mo | +$839 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
0.830x
DSCR
Monthly Cash Flow
−$220/mo
Cash-on-Cash Yr 1
N/A
−$11,179 left in deal
Acquisition Event — First Close
Purchase Price
$135,000+
Rehab Budget
$30,000+
Closing Costs5% of purchase
$6,750=
Total Cash to First Close
$171,750Holding Period — 2 Months
Property Taxes$382/mo × 2$764
Insurance$138/mo × 2$275
Total Holding Costs$1,039
Contingency Reserve10% of rehab — held, not at first close$3,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$192,750−
Origination Fee1 pts on $192,750
$1,928−
Closing Coststitle / appraisal / escrow
$3,855=
Net Cash Recovered
$186,968Deal Summary
Total Cash to First Close
$171,750+
Holding Costs (2 mo)
$1,039+
Contingency Reserve
$3,000−
Net Cash Recovered at Refi
$186,968=
Capital Left in Deal
−$11,179Equity Position — Day 1 Post-Refi
ARV
$257,000−
DSCR Loan Balance
$192,750=
Equity in Property
$64,250 (25.0%)−
Capital Left in Deal
−$11,179=
Value Created
$75,429Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,812−
Property Taxes
$382−
Insurance
$138−
Maintenance (6% rent)
$109−
Management (6% rent)
$109=
OpEx Subtotal
$737=
Net Operating Income
$1,075−
DSCR P&I
$1,295/mo=
Net Cash Flow
−$220/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$192,750
Monthly P&I$1,295/mo
Net Cash Flow−$220/mo
Cash Back at Refi+$11,179
DSCR
0.830x✗ Fail
Lender DSCR
0.999x✗ Fail
No Cash-Out
70.5% LTV — breakeven refi
Loan Amount$181,225
Monthly P&I$1,218/mo
Net Cash Flow−$143/mo
Cash Back at Refi+$0
DSCR
0.883x✗ Fail
Lender DSCR
1.043x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $2,062/mo | +$250 needed |
| 1.10x | $2,209/mo | +$397 needed |
| 1.20x | $2,356/mo | +$544 needed |
| 1.30x ← | $2,504/mo | +$692 needed |
| 1.40x | $2,651/mo | +$839 needed |