25131 Alina Ln, Spring, TX 77386
Spring, 77386
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Listing Agent
James Ferrer
(281) 972-2631james@movehou.com
MMX Group/25131 Alina Ln, Spring, TX 77386
Flip-106.0%✗
HM→DSCR0.887x✗
Cash→DSCR0.887x✗
New Deal

25131 Alina Ln, Spring, TX 77386

4bd / 2.5ba · 2,264 sqft · built 2013 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.913x
FAIL
NOI ÷ debt service
Lender DSCR
1.074x
PASS
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$133/mo
FAIL
post all expenses · day 1
Cash to Close
$95,305
80% LTV · single close
Value Generated
$12,350
ARV − purchase − rehab
Starting Equity %
27.2%
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
-106.0%
Flip ROI
Cash to First Close
$31,364
what you bring day 1
Net Profit
−$55,763
Max Bid @ 20%
$227,073
−$55,763 profit  ÷  $52,628 total invested  =  -106.0%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$286,400
Purchase (95% LTV)
$270,750
Rehab (100%)
$15,650
Loan-to-ARV
91.5%
Monthly Interest
$2,384/mo
Down Payment5% of $285,000 purchase
$14,250
+
Origination Fee1 pts on $286,400 loan
$2,864
+
Closing Costs5% of purchase
$14,250
=
Cash to First Close
$31,364
Holding Period — 6 Months
HML Interest9.99% IO · $2,384/mo × 6$14,306
Property Taxes$648/mo × 6$3,890
Insurance$251/mo × 6$1,503
Total Holding Costs$19,699
Contingency Reserve10% of rehab — held, not at first close$1,565
Sale Event — Second Close
Sale Price (ARV)
$313,000
−
HML Principal Payofffull IO loan balance
$286,400
−
Closing Costs3.5% of sale price
$10,955
−
Realtor Commission6% of sale price
$18,780
=
Net Proceeds to You
−$3,135
Deal Summary
Net Proceeds at Closing
−$3,135
−
Cash to First Close
$31,364
−
Holding Costs (6 mo)
$19,699
−
Contingency Reserve
$1,565
=
NET PROFIT
−$55,763
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$230,906−$54,094
15%$228,976−$56,024
20% ←$227,073−$57,927
25%$225,197−$59,803
30%$223,346−$61,654
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
0.913x
DSCR
Cash to Close
$95,305
single close · no bridge
Monthly Cash Flow
−$133/mo
Cash-on-Cash Yr 1
-1.7%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$228,000
LTV (80% of ARV)
72.8%
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
$15,650
Contingency Reserve10% of rehab$1,565
=
Total Cash to Close
$95,305
Equity Position — Day 1 Post-Refi
Property Value
$313,000
−
DSCR Loan Balance
$228,000
=
Equity in Property
$85,000 (27.2%)
−
Capital Left in Deal
$95,305
=
Value Created
−$10,305
$85,000 equity on $95,305 deployed = 0.9× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,612
−
Property Taxes
$648
−
Insurance
$251
−
Maintenance (6% rent)
$157
−
Management (6% rent)
$157
=
OpEx Subtotal
$1,212
=
Net Operating Income
$1,400
−
DSCR P&I
$1,532/mo
=
Net Cash Flow
−$133/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.913x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
1.074x✓ Pass
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,763/mo+$151 needed
1.10x$2,937/mo+$325 needed
1.20x$3,111/mo+$499 needed
1.30x ←$3,285/mo+$673 needed
1.40x$3,459/mo+$847 needed