22431 Gilded Peak Ln, Spring, TX 77373
Spring, 77373
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Listing Agent
Anissa Veal
(832) 248-0410anissa.veal@yahoo.com
MMX Group/22431 Gilded Peak Ln, Spring, TX 77373
Flip-140.5%✗
HM→DSCR0.442x✗
Cash→DSCR0.442x✗
New Deal

22431 Gilded Peak Ln, Spring, TX 77373

3bd / 2.5ba · 2,057 sqft · built 2021 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.447x
FAIL
NOI ÷ debt service
Lender DSCR
0.726x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$722/mo
FAIL
post all expenses · day 1
Cash to Close
$94,082
80% LTV · single close
Value Generated
$6,000
ARV − purchase − rehab
Starting Equity %
25.8%
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
-140.5%
Flip ROI
Cash to First Close
$26,859
what you bring day 1
Net Profit
−$65,046
Max Bid @ 20%
$178,065
−$65,046 profit  ÷  $46,306 total invested  =  -140.5%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$255,850
Purchase (95% LTV)
$230,850
Rehab (100%)
$25,000
Loan-to-ARV
97.7%
Monthly Interest
$2,130/mo
Down Payment5% of $243,000 purchase
$12,150
+
Origination Fee1 pts on $255,850 loan
$2,559
+
Closing Costs5% of purchase
$12,150
=
Cash to First Close
$26,859
Holding Period — 6 Months
HML Interest9.99% IO · $2,130/mo × 6$12,780
Property Taxes$471/mo × 6$2,828
Insurance$223/mo × 6$1,340
Total Holding Costs$16,948
Contingency Reserve10% of rehab — held, not at first close$2,500
Sale Event — Second Close
Sale Price (ARV)
$262,000
−
HML Principal Payofffull IO loan balance
$255,850
−
Closing Costs3.5% of sale price
$9,170
−
Realtor Commission6% of sale price
$15,720
=
Net Proceeds to You
−$18,740
Deal Summary
Net Proceeds at Closing
−$18,740
−
Cash to First Close
$26,859
−
Holding Costs (6 mo)
$16,948
−
Contingency Reserve
$2,500
=
NET PROFIT
−$65,046
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$181,238−$61,762
15%$179,640−$63,360
20% ←$178,065−$64,935
25%$176,513−$66,487
30%$174,982−$68,018
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
0.447x
DSCR
Cash to Close
$94,082
single close · no bridge
Monthly Cash Flow
−$722/mo
Cash-on-Cash Yr 1
-9.2%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$194,400
LTV (80% of ARV)
74.2%
Monthly P&I
$1,306/mo
Equity at Close
$48,600
Down Payment20.0% of $243,000 purchase
$48,600
+
Origination Fee1 pts on $194,400
$1,944
+
DSCR Closing Coststitle / appraisal / escrow
$3,888
+
Acquisition Closing5% of purchase
$12,150
+
Rehab Budgetcash, not financed by DSCR loan
$25,000
Contingency Reserve10% of rehab$2,500
=
Total Cash to Close
$94,082
Equity Position — Day 1 Post-Refi
Property Value
$262,000
−
DSCR Loan Balance
$194,400
=
Equity in Property
$67,600 (25.8%)
−
Capital Left in Deal
$94,082
=
Value Created
−$26,482
$67,600 equity on $94,082 deployed = 0.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,453
−
Property Taxes
$471
−
Insurance
$223
−
Maintenance (6% rent)
$87
−
Management (6% rent)
$87
=
OpEx Subtotal
$869
=
Net Operating Income
$584
−
DSCR P&I
$1,306/mo
=
Net Cash Flow
−$722/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.447x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.726x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,274/mo+$821 needed
1.10x$2,422/mo+$969 needed
1.20x$2,571/mo+$1,118 needed
1.30x ←$2,719/mo+$1,266 needed
1.40x$2,868/mo+$1,415 needed
22431 Gilded Peak Ln, Spring, TX 77373 — MX Analyzer