5030 Aspen Orchard Dr, Houston, TX 77066
Houston, 77066
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Listing Agent
Alexandra Pocora
(346) 932-5165aproyaltyhomes@gmail.com
MMX Group/5030 Aspen Orchard Dr, Houston, TX 77066
Flip-203.5%✗
HM→DSCR0.243x✗
Cash→DSCR0.243x✗
New Deal

5030 Aspen Orchard Dr, Houston, TX 77066

4bd / 3ba · 2,880 sqft · built 2021 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.228x
FAIL
NOI ÷ debt service
Lender DSCR
0.611x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$1,366/mo
FAIL
post all expenses · day 1
Cash to Close
$151,291
80% LTV · single close
Value Generated
$57,450
ARV − purchase − rehab
Starting Equity %
20.0%
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
-203.5%
Flip ROI
Cash to First Close
$40,680
what you bring day 1
Net Profit
−$138,028
Max Bid @ 20%
$237,529
−$138,028 profit  ÷  $67,823 total invested  =  -203.5%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$367,950
Purchase (95% LTV)
$351,500
Rehab (100%)
$16,450
Loan-to-ARV
111.8%
Monthly Interest
$3,063/mo
Down Payment5% of $370,000 purchase
$18,500
+
Origination Fee1 pts on $367,950 loan
$3,680
+
Closing Costs5% of purchase
$18,500
=
Cash to First Close
$40,680
Holding Period — 6 Months
HML Interest9.99% IO · $3,063/mo × 6$18,379
Property Taxes$865/mo × 6$5,187
Insurance$322/mo × 6$1,932
Total Holding Costs$25,498
Contingency Reserve10% of rehab — held, not at first close$1,645
Sale Event — Second Close
Sale Price (ARV)
$329,000
−
HML Principal Payofffull IO loan balance
$367,950
−
Closing Costs3.5% of sale price
$11,515
−
Realtor Commission6% of sale price
$19,740
=
Net Proceeds to You
−$70,205
Deal Summary
Net Proceeds at Closing
−$70,205
−
Cash to First Close
$40,680
−
Holding Costs (6 mo)
$25,498
−
Contingency Reserve
$1,645
=
NET PROFIT
−$138,028
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$241,639−$128,361
15%$239,569−$130,431
20% ←$237,529−$132,471
25%$235,517−$134,483
30%$233,533−$136,467
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
0.228x
DSCR
Cash to Close
$151,291
single close · no bridge
Monthly Cash Flow
−$1,366/mo
Cash-on-Cash Yr 1
-10.8%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$263,200
LTV (80% of ARV)
80.0%
Monthly P&I
$1,769/mo
Equity at Close
$65,800
Down Payment28.9% of $370,000 purchase
$106,800
+
Origination Fee1 pts on $263,200
$2,632
+
DSCR Closing Coststitle / appraisal / escrow
$5,264
+
Acquisition Closing5% of purchase
$18,500
+
Rehab Budgetcash, not financed by DSCR loan
$16,450
Contingency Reserve10% of rehab$1,645
=
Total Cash to Close
$151,291
Equity Position — Day 1 Post-Refi
Property Value
$329,000
−
DSCR Loan Balance
$263,200
=
Equity in Property
$65,800 (20.0%)
−
Capital Left in Deal
$151,291
=
Value Created
−$85,491
$65,800 equity on $151,291 deployed = 0.4× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,806
−
Property Taxes
$865
−
Insurance
$322
−
Maintenance (6% rent)
$108
−
Management (6% rent)
$108
=
OpEx Subtotal
$1,403
=
Net Operating Income
$403
−
DSCR P&I
$1,769/mo
=
Net Cash Flow
−$1,366/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.228x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.611x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$3,358/mo+$1,552 needed
1.10x$3,559/mo+$1,753 needed
1.20x$3,760/mo+$1,954 needed
1.30x ←$3,961/mo+$2,155 needed
1.40x$4,162/mo+$2,356 needed
5030 Aspen Orchard Dr, Houston, TX 77066 — MX Analyzer