425 Elaine Valley Dr, Katy, TX 77493
Katy, 77493
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Listing Agent
Christela Soliz
(346) 379-9090christela@solizrealtor.com
MMX Group/425 Elaine Valley Dr, Katy, TX 77493
Flip-137.4%✗
HM→DSCR1.099x✗
Cash→DSCR1.099x✗
New Deal

425 Elaine Valley Dr, Katy, TX 77493

5bd / 2.5ba · 2,586 sqft · built 2022 · Single FamilyAnalyzed Jul 30, 2026
DSCR
1.106x
FAIL
NOI ÷ debt service
Lender DSCR
1.216x
PASS
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
$154/mo
PASS
post all expenses · day 1
Cash to Close
$101,480
80% LTV · single close
Value Generated
$5,000
ARV − purchase − rehab
Starting Equity %
25.5%
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
-137.4%
Flip ROI
Cash to First Close
$29,815
what you bring day 1
Net Profit
−$69,950
Max Bid @ 20%
$199,977
−$69,950 profit  ÷  $50,900 total invested  =  -137.4%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$281,500
Purchase (95% LTV)
$256,500
Rehab (100%)
$25,000
Loan-to-ARV
97.1%
Monthly Interest
$2,343/mo
Down Payment5% of $270,000 purchase
$13,500
+
Origination Fee1 pts on $281,500 loan
$2,815
+
Closing Costs5% of purchase
$13,500
=
Cash to First Close
$29,815
Holding Period — 6 Months
HML Interest9.99% IO · $2,343/mo × 6$14,061
Property Taxes$508/mo × 6$3,050
Insurance$246/mo × 6$1,475
Total Holding Costs$18,585
Contingency Reserve10% of rehab — held, not at first close$2,500
Sale Event — Second Close
Sale Price (ARV)
$290,000
−
HML Principal Payofffull IO loan balance
$281,500
−
Closing Costs3.5% of sale price
$10,150
−
Realtor Commission6% of sale price
$17,400
=
Net Proceeds to You
−$19,050
Deal Summary
Net Proceeds at Closing
−$19,050
−
Cash to First Close
$29,815
−
Holding Costs (6 mo)
$18,585
−
Contingency Reserve
$2,500
=
NET PROFIT
−$69,950
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$203,483−$66,517
15%$201,718−$68,282
20% ←$199,977−$70,023
25%$198,260−$71,740
30%$196,568−$73,432
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
1.106x
DSCR
Cash to Close
$101,480
single close · no bridge
Monthly Cash Flow
$154/mo
Cash-on-Cash Yr 1
1.8%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$216,000
LTV (80% of ARV)
74.5%
Monthly P&I
$1,452/mo
Equity at Close
$54,000
Down Payment20.0% of $270,000 purchase
$54,000
+
Origination Fee1 pts on $216,000
$2,160
+
DSCR Closing Coststitle / appraisal / escrow
$4,320
+
Acquisition Closing5% of purchase
$13,500
+
Rehab Budgetcash, not financed by DSCR loan
$25,000
Contingency Reserve10% of rehab$2,500
=
Total Cash to Close
$101,480
Equity Position — Day 1 Post-Refi
Property Value
$290,000
−
DSCR Loan Balance
$216,000
=
Equity in Property
$74,000 (25.5%)
−
Capital Left in Deal
$101,480
=
Value Created
−$27,480
$74,000 equity on $101,480 deployed = 0.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,682
−
Property Taxes
$508
−
Insurance
$246
−
Maintenance (6% rent)
$161
−
Management (6% rent)
$161
=
OpEx Subtotal
$1,076
=
Net Operating Income
$1,606
−
DSCR P&I
$1,452/mo
=
Net Cash Flow
$154/mo
DSCR Ratios
DSCR (NOI / Debt Service)
1.106x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
1.216x✓ Pass
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,506/mo✓ met
1.10x$2,671/mo✓ met
1.20x$2,836/mo+$154 needed
1.30x ←$3,001/mo+$319 needed
1.40x$3,166/mo+$484 needed
425 Elaine Valley Dr, Katy, TX 77493 — MX Analyzer