13115 Baron Hollow Ct, Houston, TX 77014
Houston, 77014
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Listing Agent
Rhonda Vazquez-padilla
(713) 320-9409rhonda@realtyhomesolutions.com
MMX Group/13115 Baron Hollow Ct, Houston, TX 77014
Flip-177.5%✗
HM→DSCR0.789x✗
Cash→DSCR0.789x✗
New Deal

13115 Baron Hollow Ct, Houston, TX 77014

3bd / 2ba · 1,657 sqft · built 2006 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.740x
FAIL
NOI ÷ debt service
Lender DSCR
0.930x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$350/mo
FAIL
post all expenses · day 1
Cash to Close
$96,000
80% LTV · single close
Value Generated
$25,000
ARV − purchase − rehab
Starting Equity %
20.0%
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
-177.5%
Flip ROI
Cash to First Close
$27,625
what you bring day 1
Net Profit
−$82,998
Max Bid @ 20%
$169,300
−$82,998 profit  ÷  $46,748 total invested  =  -177.5%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$262,500
Purchase (95% LTV)
$237,500
Rehab (100%)
$25,000
Loan-to-ARV
105.0%
Monthly Interest
$2,185/mo
Down Payment5% of $250,000 purchase
$12,500
+
Origination Fee1 pts on $262,500 loan
$2,625
+
Closing Costs5% of purchase
$12,500
=
Cash to First Close
$27,625
Holding Period — 6 Months
HML Interest9.99% IO · $2,185/mo × 6$13,112
Property Taxes$356/mo × 6$2,137
Insurance$229/mo × 6$1,375
Total Holding Costs$16,623
Contingency Reserve10% of rehab — held, not at first close$2,500
Sale Event — Second Close
Sale Price (ARV)
$250,000
−
HML Principal Payofffull IO loan balance
$262,500
−
Closing Costs3.5% of sale price
$8,750
−
Realtor Commission6% of sale price
$15,000
=
Net Proceeds to You
−$36,250
Deal Summary
Net Proceeds at Closing
−$36,250
−
Cash to First Close
$27,625
−
Holding Costs (6 mo)
$16,623
−
Contingency Reserve
$2,500
=
NET PROFIT
−$82,998
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$172,286−$77,714
15%$170,782−$79,218
20% ←$169,300−$80,700
25%$167,839−$82,161
30%$166,398−$83,602
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
0.740x
DSCR
Cash to Close
$96,000
single close · no bridge
Monthly Cash Flow
−$350/mo
Cash-on-Cash Yr 1
-4.4%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$200,000
LTV (80% of ARV)
80.0%
Monthly P&I
$1,344/mo
Equity at Close
$50,000
Down Payment20.0% of $250,000 purchase
$50,000
+
Origination Fee1 pts on $200,000
$2,000
+
DSCR Closing Coststitle / appraisal / escrow
$4,000
+
Acquisition Closing5% of purchase
$12,500
+
Rehab Budgetcash, not financed by DSCR loan
$25,000
Contingency Reserve10% of rehab$2,500
=
Total Cash to Close
$96,000
Equity Position — Day 1 Post-Refi
Property Value
$250,000
−
DSCR Loan Balance
$200,000
=
Equity in Property
$50,000 (20.0%)
−
Capital Left in Deal
$96,000
=
Value Created
−$46,000
$50,000 equity on $96,000 deployed = 0.5× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,795
−
Property Taxes
$356
−
Insurance
$229
−
Maintenance (6% rent)
$108
−
Management (6% rent)
$108
=
OpEx Subtotal
$801
=
Net Operating Income
$994
−
DSCR P&I
$1,344/mo
=
Net Cash Flow
−$350/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.740x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.930x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,192/mo+$397 needed
1.10x$2,345/mo+$550 needed
1.20x$2,498/mo+$703 needed
1.30x ←$2,651/mo+$856 needed
1.40x$2,803/mo+$1,008 needed