4814 Pecan Arbor Ln, Houston, TX 77069
Houston, 77069
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Listing Agent
Daniel Taylor
(713) 454-2744danieltaylor@remax.net
MMX Group/4814 Pecan Arbor Ln, Houston, TX 77069
Flip-148.5%✗
HM→DSCR0.566x✗
Cash→DSCR0.566x✗
New Deal

4814 Pecan Arbor Ln, Houston, TX 77069

4bd / 4ba · 3,083 sqft · built 2018 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.535x
FAIL
NOI ÷ debt service
Lender DSCR
0.790x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$950/mo
FAIL
post all expenses · day 1
Cash to Close
$125,185
80% LTV · single close
Value Generated
$16,149
ARV − purchase − rehab
Starting Equity %
20.6%
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
-148.5%
Flip ROI
Cash to First Close
$41,801
what you bring day 1
Net Profit
−$102,688
Max Bid @ 20%
$278,177
−$102,688 profit  ÷  $69,154 total invested  =  -148.5%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$380,149
Purchase (95% LTV)
$360,999
Rehab (100%)
$19,150
Loan-to-ARV
99.3%
Monthly Interest
$3,165/mo
Down Payment5% of $379,999 purchase
$19,000
+
Origination Fee1 pts on $380,149 loan
$3,801
+
Closing Costs5% of purchase
$19,000
=
Cash to First Close
$41,801
Holding Period — 6 Months
HML Interest9.99% IO · $3,165/mo × 6$18,988
Property Taxes$742/mo × 6$4,454
Insurance$333/mo × 6$1,996
Total Holding Costs$25,438
Contingency Reserve10% of rehab — held, not at first close$1,915
Sale Event — Second Close
Sale Price (ARV)
$383,000
−
HML Principal Payofffull IO loan balance
$380,149
−
Closing Costs3.5% of sale price
$13,405
−
Realtor Commission6% of sale price
$22,980
=
Net Proceeds to You
−$33,534
Deal Summary
Net Proceeds at Closing
−$33,534
−
Cash to First Close
$41,801
−
Holding Costs (6 mo)
$25,438
−
Contingency Reserve
$1,915
=
NET PROFIT
−$102,688
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$282,845−$97,154
15%$280,495−$99,504
20% ←$278,177−$101,822
25%$275,892−$104,107
30%$273,639−$106,360
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
0.535x
DSCR
Cash to Close
$125,185
single close · no bridge
Monthly Cash Flow
−$950/mo
Cash-on-Cash Yr 1
-9.1%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$303,999
LTV (80% of ARV)
79.4%
Monthly P&I
$2,043/mo
Equity at Close
$76,000
Down Payment20.0% of $379,999 purchase
$76,000
+
Origination Fee1 pts on $303,999
$3,040
+
DSCR Closing Coststitle / appraisal / escrow
$6,080
+
Acquisition Closing5% of purchase
$19,000
+
Rehab Budgetcash, not financed by DSCR loan
$19,150
Contingency Reserve10% of rehab$1,915
=
Total Cash to Close
$125,185
Equity Position — Day 1 Post-Refi
Property Value
$383,000
−
DSCR Loan Balance
$303,999
=
Equity in Property
$79,001 (20.6%)
−
Capital Left in Deal
$125,185
=
Value Created
−$46,184
$79,001 equity on $125,185 deployed = 0.6× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,463
−
Property Taxes
$742
−
Insurance
$333
−
Maintenance (6% rent)
$148
−
Management (6% rent)
$148
=
OpEx Subtotal
$1,370
=
Net Operating Income
$1,093
−
DSCR P&I
$2,043/mo
=
Net Cash Flow
−$950/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.535x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.790x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$3,543/mo+$1,080 needed
1.10x$3,775/mo+$1,312 needed
1.20x$4,007/mo+$1,544 needed
1.30x ←$4,239/mo+$1,776 needed
1.40x$4,472/mo+$2,009 needed