26117 Gallant Knight Ln, Kingwood, TX 77339
Kingwood, 77339
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Listing Agent
Anthony Giglio
MMX Group/26117 Gallant Knight Ln, Kingwood, TX 77339
Flip-131.8%✗
HM→DSCR0.601x✗
Cash→DSCR0.601x✗
New Deal

26117 Gallant Knight Ln, Kingwood, TX 77339

4bd / 3.5ba · 3,148 sqft · built 2014 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.589x
FAIL
NOI ÷ debt service
Lender DSCR
0.792x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$829/mo
FAIL
post all expenses · day 1
Cash to Close
$124,310
80% LTV · single close
Value Generated
$2,600
ARV − purchase − rehab
Starting Equity %
23.5%
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
-131.8%
Flip ROI
Cash to First Close
$41,259
what you bring day 1
Net Profit
−$87,417
Max Bid @ 20%
$287,018
−$87,417 profit  ÷  $66,327 total invested  =  -131.8%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$375,850
Purchase (95% LTV)
$356,250
Rehab (100%)
$19,600
Loan-to-ARV
95.9%
Monthly Interest
$3,129/mo
Down Payment5% of $375,000 purchase
$18,750
+
Origination Fee1 pts on $375,850 loan
$3,759
+
Closing Costs5% of purchase
$18,750
=
Cash to First Close
$41,259
Holding Period — 6 Months
HML Interest9.99% IO · $3,129/mo × 6$18,774
Property Taxes$394/mo × 6$2,362
Insurance$329/mo × 6$1,973
Total Holding Costs$23,108
Contingency Reserve10% of rehab — held, not at first close$1,960
Sale Event — Second Close
Sale Price (ARV)
$392,000
−
HML Principal Payofffull IO loan balance
$375,850
−
Closing Costs3.5% of sale price
$13,720
−
Realtor Commission6% of sale price
$23,520
=
Net Proceeds to You
−$21,090
Deal Summary
Net Proceeds at Closing
−$21,090
−
Cash to First Close
$41,259
−
Holding Costs (6 mo)
$23,108
−
Contingency Reserve
$1,960
=
NET PROFIT
−$87,417
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$291,634−$83,366
15%$289,309−$85,691
20% ←$287,018−$87,982
25%$284,758−$90,242
30%$282,530−$92,470
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
0.589x
DSCR
Cash to Close
$124,310
single close · no bridge
Monthly Cash Flow
−$829/mo
Cash-on-Cash Yr 1
-8.0%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$300,000
LTV (80% of ARV)
76.5%
Monthly P&I
$2,016/mo
Equity at Close
$75,000
Down Payment20.0% of $375,000 purchase
$75,000
+
Origination Fee1 pts on $300,000
$3,000
+
DSCR Closing Coststitle / appraisal / escrow
$6,000
+
Acquisition Closing5% of purchase
$18,750
+
Rehab Budgetcash, not financed by DSCR loan
$19,600
Contingency Reserve10% of rehab$1,960
=
Total Cash to Close
$124,310
Equity Position — Day 1 Post-Refi
Property Value
$392,000
−
DSCR Loan Balance
$300,000
=
Equity in Property
$92,000 (23.5%)
−
Capital Left in Deal
$124,310
=
Value Created
−$32,310
$92,000 equity on $124,310 deployed = 0.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,170
−
Property Taxes
$394
−
Insurance
$329
−
Maintenance (6% rent)
$130
−
Management (6% rent)
$130
=
OpEx Subtotal
$983
=
Net Operating Income
$1,187
−
DSCR P&I
$2,016/mo
=
Net Cash Flow
−$829/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.589x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.792x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$3,112/mo+$942 needed
1.10x$3,341/mo+$1,171 needed
1.20x$3,570/mo+$1,400 needed
1.30x ←$3,799/mo+$1,629 needed
1.40x$4,028/mo+$1,858 needed
26117 Gallant Knight Ln, Kingwood, TX 77339 — MX Analyzer