5022 Stimson St, Houston, TX 77023
Houston, 77023
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Listing Agent
Lily Martinez
(832) 916-1717lilysoldit@gmail.com
MMX Group/5022 Stimson St, Houston, TX 77023
Flip-43.6%✗
HM→DSCR0.821x✗
Cash→DSCR0.821x✗
New Deal

5022 Stimson St, Houston, TX 77023

3bd / 2ba · 1,396 sqft · built 1938 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.949x
FAIL
NOI ÷ debt service
Lender DSCR
1.098x
PASS
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$69/mo
FAIL
post all expenses · day 1
Cash to Close
$85,440
80% LTV · single close
Value Generated
$42,600
ARV − purchase − rehab
Starting Equity %
35.1%
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
-43.6%
Flip ROI
Cash to First Close
$27,529
what you bring day 1
Net Profit
−$20,000
Max Bid @ 20%
$224,511
−$20,000 profit  ÷  $45,840 total invested  =  -43.6%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$252,900
Purchase (95% LTV)
$237,500
Rehab (100%)
$15,400
Loan-to-ARV
82.1%
Monthly Interest
$2,105/mo
Down Payment5% of $250,000 purchase
$12,500
+
Origination Fee1 pts on $252,900 loan
$2,529
+
Closing Costs5% of purchase
$12,500
=
Cash to First Close
$27,529
Holding Period — 6 Months
HML Interest9.99% IO · $2,105/mo × 6$12,632
Property Taxes$469/mo × 6$2,812
Insurance$221/mo × 6$1,327
Total Holding Costs$16,771
Contingency Reserve10% of rehab — held, not at first close$1,540
Sale Event — Second Close
Sale Price (ARV)
$308,000
−
HML Principal Payofffull IO loan balance
$252,900
−
Closing Costs3.5% of sale price
$10,780
−
Realtor Commission6% of sale price
$18,480
=
Net Proceeds to You
$25,840
Deal Summary
Net Proceeds at Closing
$25,840
−
Cash to First Close
$27,529
−
Holding Costs (6 mo)
$16,771
−
Contingency Reserve
$1,540
=
NET PROFIT
−$20,000
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$228,208−$21,792
15%$226,346−$23,654
20% ←$224,511−$25,489
25%$222,701−$27,299
30%$220,917−$29,083
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
0.949x
DSCR
Cash to Close
$85,440
single close · no bridge
Monthly Cash Flow
−$69/mo
Cash-on-Cash Yr 1
-1.0%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$200,000
LTV (80% of ARV)
64.9%
Monthly P&I
$1,344/mo
Equity at Close
$50,000
Down Payment20.0% of $250,000 purchase
$50,000
+
Origination Fee1 pts on $200,000
$2,000
+
DSCR Closing Coststitle / appraisal / escrow
$4,000
+
Acquisition Closing5% of purchase
$12,500
+
Rehab Budgetcash, not financed by DSCR loan
$15,400
Contingency Reserve10% of rehab$1,540
=
Total Cash to Close
$85,440
Equity Position — Day 1 Post-Refi
Property Value
$308,000
−
DSCR Loan Balance
$200,000
=
Equity in Property
$108,000 (35.1%)
−
Capital Left in Deal
$85,440
=
Value Created
$22,560
$108,000 equity on $85,440 deployed = 1.3× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,233
−
Property Taxes
$469
−
Insurance
$221
−
Maintenance (6% rent)
$134
−
Management (6% rent)
$134
=
OpEx Subtotal
$958
=
Net Operating Income
$1,275
−
DSCR P&I
$1,344/mo
=
Net Cash Flow
−$69/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.949x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
1.098x✓ Pass
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,311/mo+$78 needed
1.10x$2,464/mo+$231 needed
1.20x$2,617/mo+$384 needed
1.30x ←$2,769/mo+$536 needed
1.40x$2,922/mo+$689 needed
5022 Stimson St, Houston, TX 77023 — MX Analyzer