15915 Dante Dr, Houston, TX 77053
3bd / 3ba · 1,744 sqft · built 1978 · Single Family (SFR)Analyzed May 14, 2026$
$
$
$
$
$
Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
✅
PASSES FLIP
Min 20% ROI · 6-mo hold
42.0%
Flip ROI
Cash to First Close
$16,500
what you bring day 1
Net Profit
$12,155
Max Bid @ 20%
$146,528
$12,155 profit ÷ $28,945 total invested = 42.0%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$158,000
Purchase (95% LTV)
$133,000
Rehab (100%)
$25,000
Loan-to-ARV
71.8%
Monthly Interest
$1,315/mo
Down Payment5% of $140,000 purchase
$7,000+
Origination Fee1 pts on $158,000 loan
$2,500+
Closing Costs5% of purchase
$7,000=
Cash to First Close
$16,500Holding Period — 6 Months
HML Interest9.99% IO · $1,315/mo × 6$7,892
Property Taxes$205/mo × 6$1,228
Insurance$138/mo × 6$825
Total Holding Costs$9,945
Contingency Reserve10% of rehab — held, not at first close$2,500
Sale Event — Second Close
Sale Price (ARV)
$220,000−
HML Principal Payofffull IO loan balance
$158,000−
Closing Costs3.5% of sale price
$7,700−
Realtor Commission6% of sale price
$13,200=
Net Proceeds to You
$41,100Deal Summary
Net Proceeds at Closing
$41,100−
Cash to First Close
$16,500−
Holding Costs (6 mo)
$9,945−
Contingency Reserve
$2,500=
NET PROFIT
$12,155Max Bid by ROI Target
| ROI | Max Bid | vs Offer |
|---|---|---|
| 10% | $149,106 | ✓ ok |
| 15% | $147,808 | ✓ ok |
| 20% ← | $146,528 | ✓ ok |
| 25% | $145,266 | ✓ ok |
| 30% | $144,022 | ✓ 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
1.041x
DSCR
Monthly Cash Flow
$45/mo
Cash-on-Cash Yr 1
2.7%
$20,265 left in deal
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$158,000
Purchase (95% LTV)
$133,000
Rehab (100%)
$25,000
Loan-to-ARV
71.8%
Monthly Interest
$1,315/mo
Down Payment5% of $140,000 purchase
$7,000+
Origination Fee1 pts on $158,000 loan
$2,500+
Closing Costs5% of purchase
$7,000=
Cash to First Close
$16,500Holding Period — 2 Months
HML Interest9.99% IO · $1,315/mo × 2$2,631
Property Taxes$205/mo × 2$409
Insurance$138/mo × 2$275
Total Holding Costs$3,315
Contingency Reserve10% of rehab — held, not at first close$2,500
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$165,000−
HML Principal Payofffull IO loan balance
$158,000−
Origination Fee1 pts on $165,000
$1,650−
Closing Coststitle / appraisal / escrow
$3,300=
Cash Back to You
+$2,050Deal Summary
Cash to First Close
$16,500+
Holding Costs (2 mo)
$3,315+
Contingency Reserve
$2,500−
Cash Back at Refi
−$2,050=
Capital Left in Deal
$20,265Equity Position — Day 1 Post-Refi
ARV
$220,000−
DSCR Loan Balance
$165,000=
Equity in Property
$55,000 (25.0%)−
Capital Left in Deal
$20,265=
Value Created
$34,735$55,000 equity on $20,265 deployed = 2.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,700−
Property Taxes
$205−
Insurance
$138−
Maintenance (6% rent)
$102−
Management (6% rent)
$102=
OpEx Subtotal
$546=
Net Operating Income
$1,154−
DSCR P&I
$1,109/mo=
Net Cash Flow
$45/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$165,000
Monthly P&I$1,109/mo
Net Cash Flow$45/mo
Cash Back at Refi+$2,050
DSCR
1.041x✗ Fail
Lender DSCR
1.172x✓ Pass
No Cash-Out
74.0% LTV — breakeven refi
Loan Amount$162,887
Monthly P&I$1,095/mo
Net Cash Flow$59/mo
Cash Back at Refi+$0
DSCR
1.054x✗ Fail
Lender DSCR
1.183x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $1,649/mo | ✓ met |
| 1.10x | $1,775/mo | +$75 needed |
| 1.20x | $1,901/mo | +$201 needed |
| 1.30x ← | $2,027/mo | +$327 needed |
| 1.40x | $2,153/mo | +$453 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
1.041x
DSCR
Monthly Cash Flow
$45/mo
Cash-on-Cash Yr 1
3.6%
$15,134 left in deal
Acquisition Event — First Close
Purchase Price
$140,000+
Rehab Budget
$25,000+
Closing Costs5% of purchase
$7,000=
Total Cash to First Close
$172,000Holding Period — 2 Months
Property Taxes$205/mo × 2$409
Insurance$138/mo × 2$275
Total Holding Costs$684
Contingency Reserve10% of rehab — held, not at first close$2,500
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$165,000−
Origination Fee1 pts on $165,000
$1,650−
Closing Coststitle / appraisal / escrow
$3,300=
Net Cash Recovered
$160,050Deal Summary
Total Cash to First Close
$172,000+
Holding Costs (2 mo)
$684+
Contingency Reserve
$2,500−
Net Cash Recovered at Refi
$160,050=
Capital Left in Deal
$15,134Equity Position — Day 1 Post-Refi
ARV
$220,000−
DSCR Loan Balance
$165,000=
Equity in Property
$55,000 (25.0%)−
Capital Left in Deal
$15,134=
Value Created
$39,866$55,000 equity on $15,134 deployed = 3.6× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,700−
Property Taxes
$205−
Insurance
$138−
Maintenance (6% rent)
$102−
Management (6% rent)
$102=
OpEx Subtotal
$546=
Net Operating Income
$1,154−
DSCR P&I
$1,109/mo=
Net Cash Flow
$45/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$165,000
Monthly P&I$1,109/mo
Net Cash Flow$45/mo
Cash Still Required−$15,134
DSCR
1.041x✗ Fail
Lender DSCR
1.172x✓ Pass
No Cash-Out
75.0% LTV — capped short $15,134
Loan Amount$165,000
Monthly P&I$1,109/mo
Net Cash Flow$45/mo
Cash Still Required−$15,134
DSCR
1.041x✗ Fail
Lender DSCR
1.172x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $1,649/mo | ✓ met |
| 1.10x | $1,775/mo | +$75 needed |
| 1.20x | $1,901/mo | +$201 needed |
| 1.30x ← | $2,027/mo | +$327 needed |
| 1.40x | $2,153/mo | +$453 needed |