2210 Laurel River Bnd, Houston, TX 77014
6bd / 3.5ba · 3,861 sqft · built 2002 · 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
301.0%
Flip ROI
Cash to First Close
$11,375
what you bring day 1
Net Profit
$50,770
Max Bid @ 20%
$271,964
$50,770 profit ÷ $16,867 total invested = 301.0%
Acquisition Event — First Close
Hard Money Loan — 0% Interest-Only
Loan Amount
$285,313
Purchase (100% LTV)
$227,502
Rehab (100%)
$57,811
Loan-to-ARV
73.2%
Monthly Interest
$0/mo
Down Payment0% of $227,502 purchase
$0+
Origination Fee0 pts on $285,313 loan
$0+
Closing Costs5% of purchase
$11,375=
Cash to First Close
$11,375Holding Period — 6 Months
HML Interest0% IO · $0/mo × 6$0
Property Taxes$678/mo × 6$4,066
Insurance$238/mo × 6$1,427
Total Holding Costs$5,492
Contingency Reserve0% of rehab — held, not at first close$0
Sale Event — Second Close
Sale Price (ARV)
$390,000−
HML Principal Payofffull IO loan balance
$285,313−
Closing Costs3.5% of sale price
$13,650−
Realtor Commission6% of sale price
$23,400=
Net Proceeds to You
$67,637Deal Summary
Net Proceeds at Closing
$67,637−
Cash to First Close
$11,375−
Holding Costs (6 mo)
$5,492−
Contingency Reserve
$0=
NET PROFIT
$50,770Max Bid by ROI Target
| ROI | Max Bid | vs Offer |
|---|---|---|
| 10% | $273,785 | ✓ ok |
| 15% | $272,872 | ✓ ok |
| 20% ← | $271,964 | ✓ ok |
| 25% | $271,060 | ✓ ok |
| 30% | $270,162 | ✓ ok |
Scenario 2 — HM→DSCR
Hard money @ 0% IO → DSCR refi · 75% ARV · 7.1% / 30yr
❌
FAILS DSCR
Min 1.30x · 7.1% / 30-yr DSCR · 75% of ARV
0.833x
DSCR
Monthly Cash Flow
−$329/mo
Cash-on-Cash Yr 1
-26.7%
$14,794 left in deal
Acquisition Event — First Close
Hard Money Loan — 0% Interest-Only
Loan Amount
$285,313
Purchase (100% LTV)
$227,502
Rehab (100%)
$57,811
Loan-to-ARV
73.2%
Monthly Interest
$0/mo
Down Payment0% of $227,502 purchase
$0+
Origination Fee0 pts on $285,313 loan
$0+
Closing Costs5% of purchase
$11,375=
Cash to First Close
$11,375Holding Period — 2 Months
HML Interest0% IO · $0/mo × 2$0
Property Taxes$678/mo × 2$1,355
Insurance$238/mo × 2$476
Total Holding Costs$1,831
Contingency Reserve0% of rehab — held, not at first close$0
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$292,500−
HML Principal Payofffull IO loan balance
$285,313−
Origination Fee1 pts on $292,500
$2,925−
Closing Coststitle / appraisal / escrow
$5,850=
Cash to Bring to Close
−$1,588Deal Summary
Cash to First Close
$11,375+
Holding Costs (2 mo)
$1,831+
Contingency Reserve
$0−
Cash to Bring at Refi
+$1,588=
Capital Left in Deal
$14,794Equity Position — Day 1 Post-Refi
ARV
$390,000−
DSCR Loan Balance
$292,500=
Equity in Property
$97,500 (25.0%)−
Capital Left in Deal
$14,794=
Value Created
$82,706$97,500 equity on $14,794 deployed = 6.6× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,900−
Property Taxes
$678−
Insurance
$238−
Maintenance (6% rent)
$174−
Management (6% rent)
$174=
OpEx Subtotal
$1,263=
Net Operating Income
$1,637−
DSCR P&I
$1,966/mo=
Net Cash Flow
−$329/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$292,500
Monthly P&I$1,966/mo
Net Cash Flow−$329/mo
Cash Still Required−$1,588
DSCR
0.833x✗ Fail
Lender DSCR
1.007x✓ Pass
No Cash-Out
75.0% LTV — capped short $1,588
Loan Amount$292,500
Monthly P&I$1,966/mo
Net Cash Flow−$329/mo
Cash Still Required−$1,588
DSCR
0.833x✗ Fail
Lender DSCR
1.007x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $3,274/mo | +$374 needed |
| 1.10x | $3,497/mo | +$597 needed |
| 1.20x | $3,721/mo | +$821 needed |
| 1.30x ← | $3,944/mo | +$1,044 needed |
| 1.40x | $4,167/mo | +$1,267 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
0.833x
DSCR
Monthly Cash Flow
−$329/mo
Cash-on-Cash Yr 1
-26.7%
$14,794 left in deal
Acquisition Event — First Close
Purchase Price
$227,502+
Rehab Budget
$57,811+
Closing Costs5% of purchase
$11,375=
Total Cash to First Close
$296,688Holding Period — 2 Months
Property Taxes$678/mo × 2$1,355
Insurance$238/mo × 2$476
Total Holding Costs$1,831
Contingency Reserve0% of rehab — held, not at first close$0
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$292,500−
Origination Fee1 pts on $292,500
$2,925−
Closing Coststitle / appraisal / escrow
$5,850=
Net Cash Recovered
$283,725Deal Summary
Total Cash to First Close
$296,688+
Holding Costs (2 mo)
$1,831+
Contingency Reserve
$0−
Net Cash Recovered at Refi
$283,725=
Capital Left in Deal
$14,794Equity Position — Day 1 Post-Refi
ARV
$390,000−
DSCR Loan Balance
$292,500=
Equity in Property
$97,500 (25.0%)−
Capital Left in Deal
$14,794=
Value Created
$82,706$97,500 equity on $14,794 deployed = 6.6× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,900−
Property Taxes
$678−
Insurance
$238−
Maintenance (6% rent)
$174−
Management (6% rent)
$174=
OpEx Subtotal
$1,263=
Net Operating Income
$1,637−
DSCR P&I
$1,966/mo=
Net Cash Flow
−$329/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$292,500
Monthly P&I$1,966/mo
Net Cash Flow−$329/mo
Cash Still Required−$14,794
DSCR
0.833x✗ Fail
Lender DSCR
1.007x✓ Pass
No Cash-Out
75.0% LTV — capped short $14,794
Loan Amount$292,500
Monthly P&I$1,966/mo
Net Cash Flow−$329/mo
Cash Still Required−$14,794
DSCR
0.833x✗ Fail
Lender DSCR
1.007x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $3,274/mo | +$374 needed |
| 1.10x | $3,497/mo | +$597 needed |
| 1.20x | $3,721/mo | +$821 needed |
| 1.30x ← | $3,944/mo | +$1,044 needed |
| 1.40x | $4,167/mo | +$1,267 needed |