526 N Post Oak Ln, Houston, TX 77024
2bd / 2.5ba · 1,728 sqft · built 1968 · Condo/TownhomeAnalyzed Jul 23, 2026$
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Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
✅
PASSES FLIP
Min 20% ROI · 6-mo hold
111.3%
Flip ROI
Cash to First Close
$19,000
what you bring day 1
Net Profit
$36,115
Max Bid @ 20%
$191,763
$36,115 profit ÷ $32,436 total invested = 111.3%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$166,749
Purchase (95% LTV)
$156,749
Rehab (100%)
$10,000
Loan-to-ARV
64.1%
Monthly Interest
$1,388/mo
Down Payment5% of $164,999 purchase
$8,250+
Origination Fee1 pts on $166,749 loan
$2,500+
Closing Costs5% of purchase
$8,250=
Cash to First Close
$19,000Holding Period — 6 Months
HML Interest9.99% IO · $1,388/mo × 6$8,329
Property Taxes$539/mo × 6$3,232
Insurance$146/mo × 6$875
Total Holding Costs$12,436
Contingency Reserve10% of rehab — held, not at first close$1,000
Sale Event — Second Close
Sale Price (ARV)
$260,000−
HML Principal Payofffull IO loan balance
$166,749−
Closing Costs3.5% of sale price
$9,100−
Realtor Commission6% of sale price
$15,600=
Net Proceeds to You
$68,551Deal Summary
Net Proceeds at Closing
$68,551−
Cash to First Close
$19,000−
Holding Costs (6 mo)
$12,436−
Contingency Reserve
$1,000=
NET PROFIT
$36,115Max Bid by ROI Target
| ROI | Max Bid | vs Offer |
|---|---|---|
| 10% | $194,948 | ✓ ok |
| 15% | $193,344 | ✓ ok |
| 20% ← | $191,763 | ✓ ok |
| 25% | $190,203 | ✓ ok |
| 30% | $188,666 | ✓ 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
0.905x
DSCR
Monthly Cash Flow
−$125/mo
Cash-on-Cash Yr 1
-86.0%
$1,744 left in deal
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$166,749
Purchase (95% LTV)
$156,749
Rehab (100%)
$10,000
Loan-to-ARV
64.1%
Monthly Interest
$1,388/mo
Down Payment5% of $164,999 purchase
$8,250+
Origination Fee1 pts on $166,749 loan
$2,500+
Closing Costs5% of purchase
$8,250=
Cash to First Close
$19,000Holding Period — 2 Months
HML Interest9.99% IO · $1,388/mo × 2$2,776
Property Taxes$539/mo × 2$1,077
Insurance$146/mo × 2$292
Total Holding Costs$4,145
Contingency Reserve10% of rehab — held, not at first close$1,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$195,000−
HML Principal Payofffull IO loan balance
$166,749−
Origination Fee1 pts on $195,000
$1,950−
Closing Coststitle / appraisal / escrow
$3,900=
Cash Back to You
+$22,401Deal Summary
Cash to First Close
$19,000+
Holding Costs (2 mo)
$4,145+
Contingency Reserve
$1,000−
Cash Back at Refi
−$22,401=
Capital Left in Deal
$1,744Equity Position — Day 1 Post-Refi
ARV
$260,000−
DSCR Loan Balance
$195,000=
Equity in Property
$65,000 (25.0%)−
Capital Left in Deal
$1,744=
Value Created
$63,256$65,000 equity on $1,744 deployed = 37.3× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,125−
Property Taxes
$539−
Insurance
$146−
Maintenance (6% rent)
$128−
Management (6% rent)
$128=
OpEx Subtotal
$939=
Net Operating Income
$1,186−
DSCR P&I
$1,310/mo=
Net Cash Flow
−$125/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$195,000
Monthly P&I$1,310/mo
Net Cash Flow−$125/mo
Cash Back at Refi+$22,401
DSCR
0.905x✗ Fail
Lender DSCR
1.065x✓ Pass
No Cash-Out
66.1% LTV — breakeven refi
Loan Amount$171,906
Monthly P&I$1,155/mo
Net Cash Flow$30/mo
Cash Back at Refi+$0
DSCR
1.026x✗ Fail
Lender DSCR
1.155x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $2,267/mo | +$142 needed |
| 1.10x | $2,416/mo | +$291 needed |
| 1.20x | $2,565/mo | +$440 needed |
| 1.30x ← | $2,714/mo | +$589 needed |
| 1.40x | $2,863/mo | +$738 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
0.905x
DSCR
Monthly Cash Flow
−$125/mo
Cash-on-Cash Yr 1
N/A
−$3,532 left in deal
Acquisition Event — First Close
Purchase Price
$164,999+
Rehab Budget
$10,000+
Closing Costs5% of purchase
$8,250=
Total Cash to First Close
$183,249Holding Period — 2 Months
Property Taxes$539/mo × 2$1,077
Insurance$146/mo × 2$292
Total Holding Costs$1,369
Contingency Reserve10% of rehab — held, not at first close$1,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$195,000−
Origination Fee1 pts on $195,000
$1,950−
Closing Coststitle / appraisal / escrow
$3,900=
Net Cash Recovered
$189,150Deal Summary
Total Cash to First Close
$183,249+
Holding Costs (2 mo)
$1,369+
Contingency Reserve
$1,000−
Net Cash Recovered at Refi
$189,150=
Capital Left in Deal
−$3,532Equity Position — Day 1 Post-Refi
ARV
$260,000−
DSCR Loan Balance
$195,000=
Equity in Property
$65,000 (25.0%)−
Capital Left in Deal
−$3,532=
Value Created
$68,532Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,125−
Property Taxes
$539−
Insurance
$146−
Maintenance (6% rent)
$128−
Management (6% rent)
$128=
OpEx Subtotal
$939=
Net Operating Income
$1,186−
DSCR P&I
$1,310/mo=
Net Cash Flow
−$125/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$195,000
Monthly P&I$1,310/mo
Net Cash Flow−$125/mo
Cash Back at Refi+$3,532
DSCR
0.905x✗ Fail
Lender DSCR
1.065x✓ Pass
No Cash-Out
73.6% LTV — breakeven refi
Loan Amount$191,359
Monthly P&I$1,286/mo
Net Cash Flow−$100/mo
Cash Back at Refi+$0
DSCR
0.922x✗ Fail
Lender DSCR
1.078x✓ Pass
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $2,267/mo | +$142 needed |
| 1.10x | $2,416/mo | +$291 needed |
| 1.20x | $2,565/mo | +$440 needed |
| 1.30x ← | $2,714/mo | +$589 needed |
| 1.40x | $2,863/mo | +$738 needed |