8014 Argentina St, Jersey Village, TX 77040
5bd / 3.5ba · 3,466 sqft · built 1977 · Single Family (SFR)Analyzed Jul 2, 2026$
$
$
$
$
$
Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
❌
FAILS FLIP
Min 20% ROI · 6-mo hold
-40.3%
Flip ROI
Cash to First Close
$35,293
what you bring day 1
Net Profit
−$27,413
Max Bid @ 20%
$279,146
−$27,413 profit ÷ $68,083 total invested = -40.3%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$379,250
Purchase (95% LTV)
$299,250
Rehab (100%)
$80,000
Loan-to-ARV
81.7%
Monthly Interest
$3,157/mo
Down Payment5% of $315,000 purchase
$15,750+
Origination Fee1 pts on $379,250 loan
$3,793+
Closing Costs5% of purchase
$15,750=
Cash to First Close
$35,293Holding Period — 6 Months
HML Interest9.99% IO · $3,157/mo × 6$18,944
Property Taxes$645/mo × 6$3,872
Insurance$329/mo × 6$1,975
Total Holding Costs$24,790
Contingency Reserve10% of rehab — held, not at first close$8,000
Sale Event — Second Close
Sale Price (ARV)
$464,000−
HML Principal Payofffull IO loan balance
$379,250−
Closing Costs3.5% of sale price
$16,240−
Realtor Commission6% of sale price
$27,840=
Net Proceeds to You
$40,670Deal Summary
Net Proceeds at Closing
$40,670−
Cash to First Close
$35,293−
Holding Costs (6 mo)
$24,790−
Contingency Reserve
$8,000=
NET PROFIT
−$27,413Max Bid by ROI Target
| ROI | Max Bid | vs Offer |
|---|---|---|
| 10% | $284,666 | −$30,334 |
| 15% | $281,887 | −$33,113 |
| 20% ← | $279,146 | −$35,854 |
| 25% | $276,444 | −$38,556 |
| 30% | $273,780 | −$41,220 |
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
0.658x
DSCR
Monthly Cash Flow
−$799/mo
Cash-on-Cash Yr 1
-10.3%
$93,246 left in deal
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$379,250
Purchase (95% LTV)
$299,250
Rehab (100%)
$80,000
Loan-to-ARV
81.7%
Monthly Interest
$3,157/mo
Down Payment5% of $315,000 purchase
$15,750+
Origination Fee1 pts on $379,250 loan
$3,793+
Closing Costs5% of purchase
$15,750=
Cash to First Close
$35,293Holding Period — 2 Months
HML Interest9.99% IO · $3,157/mo × 2$6,315
Property Taxes$645/mo × 2$1,291
Insurance$329/mo × 2$658
Total Holding Costs$8,263
Contingency Reserve10% of rehab — held, not at first close$8,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$348,000−
HML Principal Payofffull IO loan balance
$379,250−
Origination Fee1 pts on $348,000
$3,480−
Closing Coststitle / appraisal / escrow
$6,960=
Cash to Bring to Close
−$41,690Deal Summary
Cash to First Close
$35,293+
Holding Costs (2 mo)
$8,263+
Contingency Reserve
$8,000−
Cash to Bring at Refi
+$41,690=
Capital Left in Deal
$93,246Equity Position — Day 1 Post-Refi
ARV
$464,000−
DSCR Loan Balance
$348,000=
Equity in Property
$116,000 (25.0%)−
Capital Left in Deal
$93,246=
Value Created
$22,754$116,000 equity on $93,246 deployed = 1.2× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,857−
Property Taxes
$645−
Insurance
$329−
Maintenance (6% rent)
$171−
Management (6% rent)
$171=
OpEx Subtotal
$1,317=
Net Operating Income
$1,540−
DSCR P&I
$2,339/mo=
Net Cash Flow
−$799/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$348,000
Monthly P&I$2,339/mo
Net Cash Flow−$799/mo
Cash Still Required−$41,690
DSCR
0.658x✗ Fail
Lender DSCR
0.862x✗ Fail
No Cash-Out
75.0% LTV — capped short $41,690
Loan Amount$348,000
Monthly P&I$2,339/mo
Net Cash Flow−$799/mo
Cash Still Required−$41,690
DSCR
0.658x✗ Fail
Lender DSCR
0.862x✗ Fail
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $3,765/mo | +$908 needed |
| 1.10x | $4,031/mo | +$1,174 needed |
| 1.20x | $4,296/mo | +$1,439 needed |
| 1.30x ← | $4,562/mo | +$1,705 needed |
| 1.40x | $4,828/mo | +$1,971 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
0.658x
DSCR
Monthly Cash Flow
−$799/mo
Cash-on-Cash Yr 1
-11.5%
$83,139 left in deal
Acquisition Event — First Close
Purchase Price
$315,000+
Rehab Budget
$80,000+
Closing Costs5% of purchase
$15,750=
Total Cash to First Close
$410,750Holding Period — 2 Months
Property Taxes$645/mo × 2$1,291
Insurance$329/mo × 2$658
Total Holding Costs$1,949
Contingency Reserve10% of rehab — held, not at first close$8,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$348,000−
Origination Fee1 pts on $348,000
$3,480−
Closing Coststitle / appraisal / escrow
$6,960=
Net Cash Recovered
$337,560Deal Summary
Total Cash to First Close
$410,750+
Holding Costs (2 mo)
$1,949+
Contingency Reserve
$8,000−
Net Cash Recovered at Refi
$337,560=
Capital Left in Deal
$83,139Equity Position — Day 1 Post-Refi
ARV
$464,000−
DSCR Loan Balance
$348,000=
Equity in Property
$116,000 (25.0%)−
Capital Left in Deal
$83,139=
Value Created
$32,861$116,000 equity on $83,139 deployed = 1.4× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,857−
Property Taxes
$645−
Insurance
$329−
Maintenance (6% rent)
$171−
Management (6% rent)
$171=
OpEx Subtotal
$1,317=
Net Operating Income
$1,540−
DSCR P&I
$2,339/mo=
Net Cash Flow
−$799/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$348,000
Monthly P&I$2,339/mo
Net Cash Flow−$799/mo
Cash Still Required−$83,139
DSCR
0.658x✗ Fail
Lender DSCR
0.862x✗ Fail
No Cash-Out
75.0% LTV — capped short $83,139
Loan Amount$348,000
Monthly P&I$2,339/mo
Net Cash Flow−$799/mo
Cash Still Required−$83,139
DSCR
0.658x✗ Fail
Lender DSCR
0.862x✗ Fail
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $3,765/mo | +$908 needed |
| 1.10x | $4,031/mo | +$1,174 needed |
| 1.20x | $4,296/mo | +$1,439 needed |
| 1.30x ← | $4,562/mo | +$1,705 needed |
| 1.40x | $4,828/mo | +$1,971 needed |