12415 York Bend Ln, Houston, TX 77044
Houston, 77044
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Listing Agent
D'ann Fleming
(281) 253-7712dannfleming4@yahoo.com
MMX Group/12415 York Bend Ln, Houston, TX 77044
Flip-146.7%✗
HM→DSCR0.712x✗
Cash→DSCR0.712x✗
New Deal

12415 York Bend Ln, Houston, TX 77044

3bd / 2ba · 1,402 sqft · built 2014 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.725x
FAIL
NOI ÷ debt service
Lender DSCR
0.947x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$294/mo
FAIL
post all expenses · day 1
Cash to Close
$82,026
80% LTV · single close
Value Generated
$8,000
ARV − purchase − rehab
Starting Equity %
26.3%
ARV − DSCR loan ÷ ARV, day 1
$
$
$
$
$
$
Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
❌
FAILS FLIP
Min 20% ROI · 6-mo hold
-146.7%
Flip ROI
Cash to First Close
$22,400
what you bring day 1
Net Profit
−$58,336
Max Bid @ 20%
$141,449
−$58,336 profit  ÷  $39,766 total invested  =  -146.7%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$214,050
Purchase (95% LTV)
$189,050
Rehab (100%)
$25,000
Loan-to-ARV
99.1%
Monthly Interest
$1,782/mo
Down Payment5% of $199,000 purchase
$9,950
+
Origination Fee1 pts on $214,050 loan
$2,500
+
Closing Costs5% of purchase
$9,950
=
Cash to First Close
$22,400
Holding Period — 6 Months
HML Interest9.99% IO · $1,782/mo × 6$10,692
Property Taxes$509/mo × 6$3,055
Insurance$187/mo × 6$1,120
Total Holding Costs$14,866
Contingency Reserve10% of rehab — held, not at first close$2,500
Sale Event — Second Close
Sale Price (ARV)
$216,000
−
HML Principal Payofffull IO loan balance
$214,050
−
Closing Costs3.5% of sale price
$7,560
−
Realtor Commission6% of sale price
$12,960
=
Net Proceeds to You
−$18,570
Deal Summary
Net Proceeds at Closing
−$18,570
−
Cash to First Close
$22,400
−
Holding Costs (6 mo)
$14,866
−
Contingency Reserve
$2,500
=
NET PROFIT
−$58,336
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$144,116−$54,884
15%$142,773−$56,227
20% ←$141,449−$57,551
25%$140,144−$58,856
30%$138,856−$60,144
Scenario 4 — Turn Key DSCR
Direct DSCR purchase · 80% of ARV · 7.1% / 30yr · one close
❌
FAILS DSCR
Min 1.30x · 7.1% / 30-yr DSCR · 80% of ARV
0.725x
DSCR
Cash to Close
$82,026
single close · no bridge
Monthly Cash Flow
−$294/mo
Cash-on-Cash Yr 1
-4.3%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$159,200
LTV (80% of ARV)
73.7%
Monthly P&I
$1,070/mo
Equity at Close
$39,800
Down Payment20.0% of $199,000 purchase
$39,800
+
Origination Fee1 pts on $159,200
$1,592
+
DSCR Closing Coststitle / appraisal / escrow
$3,184
+
Acquisition Closing5% of purchase
$9,950
+
Rehab Budgetcash, not financed by DSCR loan
$25,000
Contingency Reserve10% of rehab$2,500
=
Total Cash to Close
$82,026
Equity Position — Day 1 Post-Refi
Property Value
$216,000
−
DSCR Loan Balance
$159,200
=
Equity in Property
$56,800 (26.3%)
−
Capital Left in Deal
$82,026
=
Value Created
−$25,226
$56,800 equity on $82,026 deployed = 0.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,672
−
Property Taxes
$509
−
Insurance
$187
−
Maintenance (6% rent)
$100
−
Management (6% rent)
$100
=
OpEx Subtotal
$896
=
Net Operating Income
$776
−
DSCR P&I
$1,070/mo
=
Net Cash Flow
−$294/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.725x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.947x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,006/mo+$334 needed
1.10x$2,128/mo+$456 needed
1.20x$2,250/mo+$578 needed
1.30x ←$2,371/mo+$699 needed
1.40x$2,493/mo+$821 needed
12415 York Bend Ln, Houston, TX 77044 — MX Analyzer