5001 Almond Terrace Dr, Katy, TX 77493
Katy, 77493
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Listing Agent
Johana Quijano
(832) 434-0206johanarealtygroup@gmail.com
MMX Group/5001 Almond Terrace Dr, Katy, TX 77493
Flip-16.3%✗
HM→DSCR0.472x✗
Cash→DSCR0.472x✗
New Deal

5001 Almond Terrace Dr, Katy, TX 77493

4bd / 2ba · 1,868 sqft · built 2023 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.576x
FAIL
NOI ÷ debt service
Lender DSCR
0.877x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$558/mo
FAIL
post all expenses · day 1
Cash to Close
$84,675
80% LTV · single close
Value Generated
$58,050
ARV − purchase − rehab
Starting Equity %
38.6%
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
-16.3%
Flip ROI
Cash to First Close
$27,000
what you bring day 1
Net Profit
−$7,782
Max Bid @ 20%
$229,863
−$7,782 profit  ÷  $47,777 total invested  =  -16.3%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$248,700
Purchase (95% LTV)
$232,750
Rehab (100%)
$15,950
Loan-to-ARV
78.0%
Monthly Interest
$2,070/mo
Down Payment5% of $245,000 purchase
$12,250
+
Origination Fee1 pts on $248,700 loan
$2,500
+
Closing Costs5% of purchase
$12,250
=
Cash to First Close
$27,000
Holding Period — 6 Months
HML Interest9.99% IO · $2,070/mo × 6$12,423
Property Taxes$909/mo × 6$5,455
Insurance$217/mo × 6$1,305
Total Holding Costs$19,182
Contingency Reserve10% of rehab — held, not at first close$1,595
Sale Event — Second Close
Sale Price (ARV)
$319,000
−
HML Principal Payofffull IO loan balance
$248,700
−
Closing Costs3.5% of sale price
$11,165
−
Realtor Commission6% of sale price
$19,140
=
Net Proceeds to You
$39,995
Deal Summary
Net Proceeds at Closing
$39,995
−
Cash to First Close
$27,000
−
Holding Costs (6 mo)
$19,182
−
Contingency Reserve
$1,595
=
NET PROFIT
−$7,782
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$233,880−$11,120
15%$231,857−$13,143
20% ←$229,863−$15,137
25%$227,897−$17,103
30%$225,959−$19,041
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
0.576x
DSCR
Cash to Close
$84,675
single close · no bridge
Monthly Cash Flow
−$558/mo
Cash-on-Cash Yr 1
-7.9%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$196,000
LTV (80% of ARV)
61.4%
Monthly P&I
$1,317/mo
Equity at Close
$49,000
Down Payment20.0% of $245,000 purchase
$49,000
+
Origination Fee1 pts on $196,000
$1,960
+
DSCR Closing Coststitle / appraisal / escrow
$3,920
+
Acquisition Closing5% of purchase
$12,250
+
Rehab Budgetcash, not financed by DSCR loan
$15,950
Contingency Reserve10% of rehab$1,595
=
Total Cash to Close
$84,675
Equity Position — Day 1 Post-Refi
Property Value
$319,000
−
DSCR Loan Balance
$196,000
=
Equity in Property
$123,000 (38.6%)
−
Capital Left in Deal
$84,675
=
Value Created
$38,325
$123,000 equity on $84,675 deployed = 1.5× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,143
−
Property Taxes
$909
−
Insurance
$217
−
Maintenance (6% rent)
$129
−
Management (6% rent)
$129
=
OpEx Subtotal
$1,384
=
Net Operating Income
$759
−
DSCR P&I
$1,317/mo
=
Net Cash Flow
−$558/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.576x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.877x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,777/mo+$634 needed
1.10x$2,927/mo+$784 needed
1.20x$3,076/mo+$933 needed
1.30x ←$3,226/mo+$1,083 needed
1.40x$3,376/mo+$1,233 needed
5001 Almond Terrace Dr, Katy, TX 77493 — MX Analyzer