18203 Maple Arbor Ct, Cypress, TX 77429
Cypress, 77429
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Listing Agent
Deanna Parsons
(832) 444-8219deanna@txdrealty.com
MMX Group/18203 Maple Arbor Ct, Cypress, TX 77429
Flip-94.3%✗
HM→DSCR0.688x✗
Cash→DSCR0.688x✗
New Deal

18203 Maple Arbor Ct, Cypress, TX 77429

4bd / 2.5ba · 3,090 sqft · built 2004 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.725x
FAIL
NOI ÷ debt service
Lender DSCR
0.941x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$480/mo
FAIL
post all expenses · day 1
Cash to Close
$109,098
80% LTV · single close
Value Generated
$21,850
ARV − purchase − rehab
Starting Equity %
28.8%
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
-94.3%
Flip ROI
Cash to First Close
$35,759
what you bring day 1
Net Profit
−$56,780
Max Bid @ 20%
$264,761
−$56,780 profit  ÷  $60,200 total invested  =  -94.3%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$326,905
Purchase (95% LTV)
$308,655
Rehab (100%)
$18,250
Loan-to-ARV
89.6%
Monthly Interest
$2,721/mo
Down Payment5% of $324,900 purchase
$16,245
+
Origination Fee1 pts on $326,905 loan
$3,269
+
Closing Costs5% of purchase
$16,245
=
Cash to First Close
$35,759
Holding Period — 6 Months
HML Interest9.99% IO · $2,721/mo × 6$16,329
Property Taxes$762/mo × 6$4,571
Insurance$286/mo × 6$1,716
Total Holding Costs$22,616
Contingency Reserve10% of rehab — held, not at first close$1,825
Sale Event — Second Close
Sale Price (ARV)
$365,000
−
HML Principal Payofffull IO loan balance
$326,905
−
Closing Costs3.5% of sale price
$12,775
−
Realtor Commission6% of sale price
$21,900
=
Net Proceeds to You
$3,420
Deal Summary
Net Proceeds at Closing
$3,420
−
Cash to First Close
$35,759
−
Holding Costs (6 mo)
$22,616
−
Contingency Reserve
$1,825
=
NET PROFIT
−$56,780
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$269,234−$55,666
15%$266,981−$57,919
20% ←$264,761−$60,139
25%$262,572−$62,328
30%$260,413−$64,487
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
$109,098
single close · no bridge
Monthly Cash Flow
−$480/mo
Cash-on-Cash Yr 1
-5.3%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$259,920
LTV (80% of ARV)
71.2%
Monthly P&I
$1,747/mo
Equity at Close
$64,980
Down Payment20.0% of $324,900 purchase
$64,980
+
Origination Fee1 pts on $259,920
$2,599
+
DSCR Closing Coststitle / appraisal / escrow
$5,198
+
Acquisition Closing5% of purchase
$16,245
+
Rehab Budgetcash, not financed by DSCR loan
$18,250
Contingency Reserve10% of rehab$1,825
=
Total Cash to Close
$109,098
Equity Position — Day 1 Post-Refi
Property Value
$365,000
−
DSCR Loan Balance
$259,920
=
Equity in Property
$105,080 (28.8%)
−
Capital Left in Deal
$109,098
=
Value Created
−$4,018
$105,080 equity on $109,098 deployed = 1.0× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,630
−
Property Taxes
$762
−
Insurance
$286
−
Maintenance (6% rent)
$158
−
Management (6% rent)
$158
=
OpEx Subtotal
$1,363
=
Net Operating Income
$1,267
−
DSCR P&I
$1,747/mo
=
Net Cash Flow
−$480/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.725x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.941x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$3,176/mo+$546 needed
1.10x$3,374/mo+$744 needed
1.20x$3,573/mo+$943 needed
1.30x ←$3,771/mo+$1,141 needed
1.40x$3,970/mo+$1,340 needed
18203 Maple Arbor Ct, Cypress, TX 77429 — MX Analyzer