9419 Val Verde St, Houston, TX 77063
3bd / 2ba · 1,373 sqft · built 1961 · Single Family (SFR)Analyzed Jun 24, 2026$
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Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
❌
FAILS FLIP
Min 20% ROI · 6-mo hold
14.9%
Flip ROI
Cash to First Close
$22,500
what you bring day 1
Net Profit
$6,439
Max Bid @ 20%
$198,188
$6,439 profit ÷ $43,161 total invested = 14.9%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$240,000
Purchase (95% LTV)
$190,000
Rehab (100%)
$50,000
Loan-to-ARV
75.0%
Monthly Interest
$1,998/mo
Down Payment5% of $200,000 purchase
$10,000+
Origination Fee1 pts on $240,000 loan
$2,500+
Closing Costs5% of purchase
$10,000=
Cash to First Close
$22,500Holding Period — 6 Months
HML Interest9.99% IO · $1,998/mo × 6$11,988
Property Taxes$404/mo × 6$2,423
Insurance$208/mo × 6$1,250
Total Holding Costs$15,661
Contingency Reserve10% of rehab — held, not at first close$5,000
Sale Event — Second Close
Sale Price (ARV)
$320,000−
HML Principal Payofffull IO loan balance
$240,000−
Closing Costs3.5% of sale price
$11,200−
Realtor Commission6% of sale price
$19,200=
Net Proceeds to You
$49,600Deal Summary
Net Proceeds at Closing
$49,600−
Cash to First Close
$22,500−
Holding Costs (6 mo)
$15,661−
Contingency Reserve
$5,000=
NET PROFIT
$6,439Max Bid by ROI Target
| ROI | Max Bid | vs Offer |
|---|---|---|
| 10% | $201,979 | ✓ ok |
| 15% | $200,070 | ✓ ok |
| 20% ← | $198,188 | −$1,812 |
| 25% | $196,333 | −$3,667 |
| 30% | $194,503 | −$5,497 |
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
0.747x
DSCR
Monthly Cash Flow
−$408/mo
Cash-on-Cash Yr 1
-12.3%
$39,920 left in deal
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$240,000
Purchase (95% LTV)
$190,000
Rehab (100%)
$50,000
Loan-to-ARV
75.0%
Monthly Interest
$1,998/mo
Down Payment5% of $200,000 purchase
$10,000+
Origination Fee1 pts on $240,000 loan
$2,500+
Closing Costs5% of purchase
$10,000=
Cash to First Close
$22,500Holding Period — 2 Months
HML Interest9.99% IO · $1,998/mo × 2$3,996
Property Taxes$404/mo × 2$808
Insurance$208/mo × 2$417
Total Holding Costs$5,220
Contingency Reserve10% of rehab — held, not at first close$5,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$240,000−
HML Principal Payofffull IO loan balance
$240,000−
Origination Fee1 pts on $240,000
$2,400−
Closing Coststitle / appraisal / escrow
$4,800=
Cash to Bring to Close
−$7,200Deal Summary
Cash to First Close
$22,500+
Holding Costs (2 mo)
$5,220+
Contingency Reserve
$5,000−
Cash to Bring at Refi
+$7,200=
Capital Left in Deal
$39,920Equity Position — Day 1 Post-Refi
ARV
$320,000−
DSCR Loan Balance
$240,000=
Equity in Property
$80,000 (25.0%)−
Capital Left in Deal
$39,920=
Value Created
$40,080$80,000 equity on $39,920 deployed = 2.0× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,065−
Property Taxes
$404−
Insurance
$208−
Maintenance (6% rent)
$124−
Management (6% rent)
$124=
OpEx Subtotal
$860=
Net Operating Income
$1,205−
DSCR P&I
$1,613/mo=
Net Cash Flow
−$408/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$240,000
Monthly P&I$1,613/mo
Net Cash Flow−$408/mo
Cash Still Required−$7,200
DSCR
0.747x✗ Fail
Lender DSCR
0.928x✗ Fail
No Cash-Out
75.0% LTV — capped short $7,200
Loan Amount$240,000
Monthly P&I$1,613/mo
Net Cash Flow−$408/mo
Cash Still Required−$7,200
DSCR
0.747x✗ Fail
Lender DSCR
0.928x✗ Fail
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $2,528/mo | +$463 needed |
| 1.10x | $2,712/mo | +$647 needed |
| 1.20x | $2,895/mo | +$830 needed |
| 1.30x ← | $3,078/mo | +$1,013 needed |
| 1.40x | $3,262/mo | +$1,197 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
0.747x
DSCR
Monthly Cash Flow
−$408/mo
Cash-on-Cash Yr 1
-14.6%
$33,424 left in deal
Acquisition Event — First Close
Purchase Price
$200,000+
Rehab Budget
$50,000+
Closing Costs5% of purchase
$10,000=
Total Cash to First Close
$260,000Holding Period — 2 Months
Property Taxes$404/mo × 2$808
Insurance$208/mo × 2$417
Total Holding Costs$1,224
Contingency Reserve10% of rehab — held, not at first close$5,000
DSCR Refinance — Second Close
DSCR Loan Proceeds75% of ARV · 7.1% / 30yr
$240,000−
Origination Fee1 pts on $240,000
$2,400−
Closing Coststitle / appraisal / escrow
$4,800=
Net Cash Recovered
$232,800Deal Summary
Total Cash to First Close
$260,000+
Holding Costs (2 mo)
$1,224+
Contingency Reserve
$5,000−
Net Cash Recovered at Refi
$232,800=
Capital Left in Deal
$33,424Equity Position — Day 1 Post-Refi
ARV
$320,000−
DSCR Loan Balance
$240,000=
Equity in Property
$80,000 (25.0%)−
Capital Left in Deal
$33,424=
Value Created
$46,576$80,000 equity on $33,424 deployed = 2.4× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,065−
Property Taxes
$404−
Insurance
$208−
Maintenance (6% rent)
$124−
Management (6% rent)
$124=
OpEx Subtotal
$860=
Net Operating Income
$1,205−
DSCR P&I
$1,613/mo=
Net Cash Flow
−$408/moDSCR Ratios — Cash-Out vs No Cash-Out
Cash-Out Refi
75% of ARV — full LTV
Loan Amount$240,000
Monthly P&I$1,613/mo
Net Cash Flow−$408/mo
Cash Still Required−$33,424
DSCR
0.747x✗ Fail
Lender DSCR
0.928x✗ Fail
No Cash-Out
75.0% LTV — capped short $33,424
Loan Amount$240,000
Monthly P&I$1,613/mo
Net Cash Flow−$408/mo
Cash Still Required−$33,424
DSCR
0.747x✗ Fail
Lender DSCR
0.928x✗ Fail
Required Rent by DSCR Target
| Target | Rent Needed | vs Current |
|---|---|---|
| 1.00x | $2,528/mo | +$463 needed |
| 1.10x | $2,712/mo | +$647 needed |
| 1.20x | $2,895/mo | +$830 needed |
| 1.30x ← | $3,078/mo | +$1,013 needed |
| 1.40x | $3,262/mo | +$1,197 needed |