25606 Valley Springs Pl, Spring, TX 77373
Spring, 77373
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Listing Agent
Antonio Rodriguez
(713) 412-1417arodriguez1@remax.net
MMX Group/25606 Valley Springs Pl, Spring, TX 77373
Flip-129.4%✗
HM→DSCR0.766x✗
Cash→DSCR0.766x✗
New Deal

25606 Valley Springs Pl, Spring, TX 77373

5bd / 4ba · 3,390 sqft · built 1999 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.753x
FAIL
NOI ÷ debt service
Lender DSCR
0.947x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$543/mo
FAIL
post all expenses · day 1
Cash to Close
$135,963
80% LTV · single close
Value Generated
$1,400
ARV − purchase − rehab
Starting Equity %
23.7%
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
-129.4%
Flip ROI
Cash to First Close
$45,099
what you bring day 1
Net Profit
−$95,877
Max Bid @ 20%
$313,162
−$95,877 profit  ÷  $74,122 total invested  =  -129.4%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$410,905
Purchase (95% LTV)
$389,405
Rehab (100%)
$21,500
Loan-to-ARV
95.6%
Monthly Interest
$3,421/mo
Down Payment5% of $409,900 purchase
$20,495
+
Origination Fee1 pts on $410,905 loan
$4,109
+
Closing Costs5% of purchase
$20,495
=
Cash to First Close
$45,099
Holding Period — 6 Months
HML Interest9.99% IO · $3,421/mo × 6$20,525
Property Taxes$699/mo × 6$4,191
Insurance$360/mo × 6$2,157
Total Holding Costs$26,873
Contingency Reserve10% of rehab — held, not at first close$2,150
Sale Event — Second Close
Sale Price (ARV)
$430,000
−
HML Principal Payofffull IO loan balance
$410,905
−
Closing Costs3.5% of sale price
$15,050
−
Realtor Commission6% of sale price
$25,800
=
Net Proceeds to You
−$21,755
Deal Summary
Net Proceeds at Closing
−$21,755
−
Cash to First Close
$45,099
−
Holding Costs (6 mo)
$26,873
−
Contingency Reserve
$2,150
=
NET PROFIT
−$95,877
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$318,344−$91,556
15%$315,735−$94,165
20% ←$313,162−$96,738
25%$310,626−$99,274
30%$308,125−$101,775
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
0.753x
DSCR
Cash to Close
$135,963
single close · no bridge
Monthly Cash Flow
−$543/mo
Cash-on-Cash Yr 1
-4.8%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$327,920
LTV (80% of ARV)
76.3%
Monthly P&I
$2,204/mo
Equity at Close
$81,980
Down Payment20.0% of $409,900 purchase
$81,980
+
Origination Fee1 pts on $327,920
$3,279
+
DSCR Closing Coststitle / appraisal / escrow
$6,558
+
Acquisition Closing5% of purchase
$20,495
+
Rehab Budgetcash, not financed by DSCR loan
$21,500
Contingency Reserve10% of rehab$2,150
=
Total Cash to Close
$135,963
Equity Position — Day 1 Post-Refi
Property Value
$430,000
−
DSCR Loan Balance
$327,920
=
Equity in Property
$102,080 (23.7%)
−
Capital Left in Deal
$135,963
=
Value Created
−$33,883
$102,080 equity on $135,963 deployed = 0.8× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$3,089
−
Property Taxes
$699
−
Insurance
$360
−
Maintenance (6% rent)
$185
−
Management (6% rent)
$185
=
OpEx Subtotal
$1,429
=
Net Operating Income
$1,660
−
DSCR P&I
$2,204/mo
=
Net Cash Flow
−$543/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.753x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.947x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$3,707/mo+$618 needed
1.10x$3,957/mo+$868 needed
1.20x$4,207/mo+$1,118 needed
1.30x ←$4,458/mo+$1,369 needed
1.40x$4,708/mo+$1,619 needed