1814 1st Ave N, Texas City, TX 77590
1,233 sqft · built 1971 · Single Family (SFR)Analyzed Jul 9, 2026$
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Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
❌
FAILS FLIP
Min 20% ROI · 6-mo hold
14.3%
Flip ROI
Cash to First Close
$10,750
what you bring day 1
Net Profit
$3,650
Max Bid @ 20%
$82,518
$3,650 profit ÷ $25,445 total invested = 14.3%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$128,375
Purchase (95% LTV)
$78,375
Rehab (100%)
$50,000
Loan-to-ARV
73.8%
Monthly Interest
$1,069/mo
Down Payment5% of $82,500 purchase
$4,125+
Origination Fee1 pts on $128,375 loan
$2,500+
Closing Costs5% of purchase
$4,125=
Cash to First Close
$10,750Holding Period — 6 Months
HML Interest9.99% IO · $1,069/mo × 6$6,412
Property Taxes$437/mo × 6$2,621
Insurance$110/mo × 6$663
Total Holding Costs$9,695
Contingency Reserve10% of rehab — held, not at first close$5,000
Sale Event — Second Close
Sale Price (ARV)
$174,000−
HML Principal Payofffull IO loan balance
$128,375−
Closing Costs3.5% of sale price
$6,090−
Realtor Commission6% of sale price
$10,440=
Net Proceeds to You
$29,095Deal Summary
Net Proceeds at Closing
$29,095−
Cash to First Close
$10,750−
Holding Costs (6 mo)
$9,695−
Contingency Reserve
$5,000=
NET PROFIT
$3,650Max Bid by ROI Target
| ROI | Max Bid | vs Offer |
|---|---|---|
| 10% | $84,666 | ✓ ok |
| 15% | $83,584 | ✓ ok |
| 20% ← | $82,518 | ✓ ok |
| 25% | $81,466 | −$1,034 |
| 30% | $80,430 | −$2,070 |
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
0.668x
DSCR
Monthly Cash Flow
−$291/mo
Cash-on-Cash Yr 1
-16.8%
$20,772 left in deal
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$128,375
Purchase (95% LTV)
$78,375
Rehab (100%)
$50,000
Loan-to-ARV
73.8%
Monthly Interest
$1,069/mo
Down Payment5% of $82,500 purchase
$4,125+
Origination Fee1 pts on $128,375 loan
$2,500+
Closing Costs5% of purchase
$4,125=
Cash to First Close
$10,750Holding Period — 2 Months
HML Interest9.99% IO · $1,069/mo × 2$2,137
Property Taxes$437/mo × 2$874
Insurance$110/mo × 2$221
Total Holding Costs$3,232
Contingency Reserve10% of rehab — held, not at first close$5,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$130,500−
HML Principal Payofffull IO loan balance
$128,375−
Origination Fee1 pts on $130,500
$1,305−
Closing Coststitle / appraisal / escrow
$2,610=
Cash to Bring to Close
−$1,790Deal Summary
Cash to First Close
$10,750+
Holding Costs (2 mo)
$3,232+
Contingency Reserve
$5,000−
Cash to Bring at Refi
+$1,790=
Capital Left in Deal
$20,772Equity Position — Day 1 Post-Refi
ARV
$174,000−
DSCR Loan Balance
$130,500=
Equity in Property
$43,500 (25.0%)−
Capital Left in Deal
$20,772=
Value Created
$22,728$43,500 equity on $20,772 deployed = 2.1× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,288−
Property Taxes
$437−
Insurance
$110−
Maintenance (6% rent)
$77−
Management (6% rent)
$77=
OpEx Subtotal
$702=
Net Operating Income
$586−
DSCR P&I
$877/mo=
Net Cash Flow
−$291/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$130,500
Monthly P&I$877/mo
Net Cash Flow−$291/mo
Cash Still Required−$1,790
DSCR
0.668x✗ Fail
Lender DSCR
0.904x✗ Fail
No Cash-Out
75.0% LTV — capped short $1,790
Loan Amount$130,500
Monthly P&I$877/mo
Net Cash Flow−$291/mo
Cash Still Required−$1,790
DSCR
0.668x✗ Fail
Lender DSCR
0.904x✗ Fail
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $1,618/mo | +$330 needed |
| 1.10x | $1,718/mo | +$430 needed |
| 1.20x | $1,818/mo | +$530 needed |
| 1.30x ← | $1,917/mo | +$629 needed |
| 1.40x | $2,017/mo | +$729 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
0.668x
DSCR
Monthly Cash Flow
−$291/mo
Cash-on-Cash Yr 1
-21.6%
$16,134 left in deal
Acquisition Event — First Close
Purchase Price
$82,500+
Rehab Budget
$50,000+
Closing Costs5% of purchase
$4,125=
Total Cash to First Close
$136,625Holding Period — 2 Months
Property Taxes$437/mo × 2$874
Insurance$110/mo × 2$221
Total Holding Costs$1,094
Contingency Reserve10% of rehab — held, not at first close$5,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$130,500−
Origination Fee1 pts on $130,500
$1,305−
Closing Coststitle / appraisal / escrow
$2,610=
Net Cash Recovered
$126,585Deal Summary
Total Cash to First Close
$136,625+
Holding Costs (2 mo)
$1,094+
Contingency Reserve
$5,000−
Net Cash Recovered at Refi
$126,585=
Capital Left in Deal
$16,134Equity Position — Day 1 Post-Refi
ARV
$174,000−
DSCR Loan Balance
$130,500=
Equity in Property
$43,500 (25.0%)−
Capital Left in Deal
$16,134=
Value Created
$27,366$43,500 equity on $16,134 deployed = 2.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,288−
Property Taxes
$437−
Insurance
$110−
Maintenance (6% rent)
$77−
Management (6% rent)
$77=
OpEx Subtotal
$702=
Net Operating Income
$586−
DSCR P&I
$877/mo=
Net Cash Flow
−$291/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$130,500
Monthly P&I$877/mo
Net Cash Flow−$291/mo
Cash Still Required−$16,134
DSCR
0.668x✗ Fail
Lender DSCR
0.904x✗ Fail
No Cash-Out
75.0% LTV — capped short $16,134
Loan Amount$130,500
Monthly P&I$877/mo
Net Cash Flow−$291/mo
Cash Still Required−$16,134
DSCR
0.668x✗ Fail
Lender DSCR
0.904x✗ Fail
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $1,618/mo | +$330 needed |
| 1.10x | $1,718/mo | +$430 needed |
| 1.20x | $1,818/mo | +$530 needed |
| 1.30x ← | $1,917/mo | +$629 needed |
| 1.40x | $2,017/mo | +$729 needed |