19031 Prairie Bluff Dr, Cypress, TX 77433
Cypress, 77433
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Listing Agent
Marie Sandoval
(832) 680-0760mycastlerealty5@aol.com
MMX Group/19031 Prairie Bluff Dr, Cypress, TX 77433
Flip-133.8%✗
HM→DSCR1.009x✗
Cash→DSCR1.009x✗
New Deal

19031 Prairie Bluff Dr, Cypress, TX 77433

4bd / 2.5ba · 2,815 sqft · built 2005 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.982x
FAIL
NOI ÷ debt service
Lender DSCR
1.123x
PASS
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$27/mo
FAIL
post all expenses · day 1
Cash to Close
$94,370
80% LTV · single close
Value Generated
$3,800
ARV − purchase − rehab
Starting Equity %
23.0%
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
-133.8%
Flip ROI
Cash to First Close
$31,356
what you bring day 1
Net Profit
−$70,006
Max Bid @ 20%
$214,677
−$70,006 profit  ÷  $52,336 total invested  =  -133.8%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$285,550
Purchase (95% LTV)
$270,750
Rehab (100%)
$14,800
Loan-to-ARV
96.5%
Monthly Interest
$2,377/mo
Down Payment5% of $285,000 purchase
$14,250
+
Origination Fee1 pts on $285,550 loan
$2,856
+
Closing Costs5% of purchase
$14,250
=
Cash to First Close
$31,356
Holding Period — 6 Months
HML Interest9.99% IO · $2,377/mo × 6$14,263
Property Taxes$623/mo × 6$3,739
Insurance$250/mo × 6$1,499
Total Holding Costs$19,501
Contingency Reserve10% of rehab — held, not at first close$1,480
Sale Event — Second Close
Sale Price (ARV)
$296,000
−
HML Principal Payofffull IO loan balance
$285,550
−
Closing Costs3.5% of sale price
$10,360
−
Realtor Commission6% of sale price
$17,760
=
Net Proceeds to You
−$17,670
Deal Summary
Net Proceeds at Closing
−$17,670
−
Cash to First Close
$31,356
−
Holding Costs (6 mo)
$19,501
−
Contingency Reserve
$1,480
=
NET PROFIT
−$70,006
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$218,307−$66,693
15%$216,479−$68,521
20% ←$214,677−$70,323
25%$212,901−$72,099
30%$211,149−$73,851
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
0.982x
DSCR
Cash to Close
$94,370
single close · no bridge
Monthly Cash Flow
−$27/mo
Cash-on-Cash Yr 1
-0.3%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$228,000
LTV (80% of ARV)
77.0%
Monthly P&I
$1,532/mo
Equity at Close
$57,000
Down Payment20.0% of $285,000 purchase
$57,000
+
Origination Fee1 pts on $228,000
$2,280
+
DSCR Closing Coststitle / appraisal / escrow
$4,560
+
Acquisition Closing5% of purchase
$14,250
+
Rehab Budgetcash, not financed by DSCR loan
$14,800
Contingency Reserve10% of rehab$1,480
=
Total Cash to Close
$94,370
Equity Position — Day 1 Post-Refi
Property Value
$296,000
−
DSCR Loan Balance
$228,000
=
Equity in Property
$68,000 (23.0%)
−
Capital Left in Deal
$94,370
=
Value Created
−$26,370
$68,000 equity on $94,370 deployed = 0.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,702
−
Property Taxes
$623
−
Insurance
$250
−
Maintenance (6% rent)
$162
−
Management (6% rent)
$162
=
OpEx Subtotal
$1,197
=
Net Operating Income
$1,505
−
DSCR P&I
$1,532/mo
=
Net Cash Flow
−$27/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.982x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
1.123x✓ Pass
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,733/mo+$31 needed
1.10x$2,907/mo+$205 needed
1.20x$3,081/mo+$379 needed
1.30x ←$3,255/mo+$553 needed
1.40x$3,430/mo+$728 needed
19031 Prairie Bluff Dr, Cypress, TX 77433 — MX Analyzer