13410 Vestavia Ct, Houston, TX 77069
Houston, 77069
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Listing Agent
Rabini Norbert
(832) 407-1382rabininorbert3@gmail.com
MMX Group/13410 Vestavia Ct, Houston, TX 77069
Flip232.9%✓
HM→DSCR0.840x✗
Cash→DSCR0.840x✗
New Deal

13410 Vestavia Ct, Houston, TX 77069

4bd / 2.5ba · 2,880 sqft · built 1976 · Single FamilyAnalyzed Jul 30, 2026
DSCR
1.465x
PASS
NOI ÷ debt service
Lender DSCR
1.472x
PASS
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
$488/mo
PASS
post all expenses · day 1
Cash to Close
$73,395
80% LTV · single close
Value Generated
$149,850
ARV − purchase − rehab
Starting Equity %
57.0%
ARV − DSCR loan ÷ ARV, day 1
$
$
$
$
$
$
Scenario 1 — Flip
Hard money loan · sell at ARV after rehab
✅
PASSES FLIP
Min 20% ROI · 6-mo hold
232.9%
Flip ROI
Cash to First Close
$22,000
what you bring day 1
Net Profit
$87,527
Max Bid @ 20%
$265,406
$87,527 profit  ÷  $37,588 total invested  =  232.9%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$203,400
Purchase (95% LTV)
$185,250
Rehab (100%)
$18,150
Loan-to-ARV
56.0%
Monthly Interest
$1,693/mo
Down Payment5% of $195,000 purchase
$9,750
+
Origination Fee1 pts on $203,400 loan
$2,500
+
Closing Costs5% of purchase
$9,750
=
Cash to First Close
$22,000
Holding Period — 6 Months
HML Interest9.99% IO · $1,693/mo × 6$10,160
Property Taxes$425/mo × 6$2,548
Insurance$178/mo × 6$1,066
Total Holding Costs$13,773
Contingency Reserve10% of rehab — held, not at first close$1,815
Sale Event — Second Close
Sale Price (ARV)
$363,000
−
HML Principal Payofffull IO loan balance
$203,400
−
Closing Costs3.5% of sale price
$12,705
−
Realtor Commission6% of sale price
$21,780
=
Net Proceeds to You
$125,115
Deal Summary
Net Proceeds at Closing
$125,115
−
Cash to First Close
$22,000
−
Holding Costs (6 mo)
$13,773
−
Contingency Reserve
$1,815
=
NET PROFIT
$87,527
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$269,707✓ ok
15%$267,541✓ ok
20% ←$265,406✓ ok
25%$263,301✓ ok
30%$261,225✓ ok
Scenario 4 — Turn Key DSCR
Direct DSCR purchase · 80% of ARV · 7.1% / 30yr · one close
✅
PASSES DSCR
Min 1.30x · 7.1% / 30-yr DSCR · 80% of ARV
1.465x
DSCR
Cash to Close
$73,395
single close · no bridge
Monthly Cash Flow
$488/mo
Cash-on-Cash Yr 1
8.0%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$156,000
LTV (80% of ARV)
43.0%
Monthly P&I
$1,048/mo
Equity at Close
$39,000
Down Payment20.0% of $195,000 purchase
$39,000
+
Origination Fee1 pts on $156,000
$1,560
+
DSCR Closing Coststitle / appraisal / escrow
$3,120
+
Acquisition Closing5% of purchase
$9,750
+
Rehab Budgetcash, not financed by DSCR loan
$18,150
Contingency Reserve10% of rehab$1,815
=
Total Cash to Close
$73,395
Equity Position — Day 1 Post-Refi
Property Value
$363,000
−
DSCR Loan Balance
$156,000
=
Equity in Property
$207,000 (57.0%)
−
Capital Left in Deal
$73,395
=
Value Created
$133,605
$207,000 equity on $73,395 deployed = 2.8× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,430
−
Property Taxes
$425
−
Insurance
$178
−
Maintenance (6% rent)
$146
−
Management (6% rent)
$146
=
OpEx Subtotal
$894
=
Net Operating Income
$1,536
−
DSCR P&I
$1,048/mo
=
Net Cash Flow
$488/mo
DSCR Ratios
DSCR (NOI / Debt Service)
1.465x✓ Pass
Lender DSCR (EGI / P&I+tax+ins+HOA)
1.472x✓ Pass
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$1,876/mo✓ met
1.10x$1,995/mo✓ met
1.20x$2,114/mo✓ met
1.30x ←$2,233/mo✓ met
1.40x$2,352/mo✓ met