6320 Laura Koppe Rd, Houston, TX 77016
Houston, 77016
View on Zillow →
Listing Agent
Toya Jack-smith
(832) 973-2937toyasmith.realtor@gmail.com
MMX Group/6320 Laura Koppe Rd, Houston, TX 77016
Flip-13.3%✗
HM→DSCR0.431x✗
Cash→DSCR0.431x✗
New Deal

6320 Laura Koppe Rd, Houston, TX 77016

3bd / 2.5ba · 1,627 sqft · built 2023 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.526x
FAIL
NOI ÷ debt service
Lender DSCR
0.791x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$508/mo
FAIL
post all expenses · day 1
Cash to Close
$68,771
80% LTV · single close
Value Generated
$47,050
ARV − purchase − rehab
Starting Equity %
38.5%
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
-13.3%
Flip ROI
Cash to First Close
$22,400
what you bring day 1
Net Profit
−$4,980
Max Bid @ 20%
$188,619
−$4,980 profit  ÷  $37,375 total invested  =  -13.3%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$202,000
Purchase (95% LTV)
$189,050
Rehab (100%)
$12,950
Loan-to-ARV
78.0%
Monthly Interest
$1,682/mo
Down Payment5% of $199,000 purchase
$9,950
+
Origination Fee1 pts on $202,000 loan
$2,500
+
Closing Costs5% of purchase
$9,950
=
Cash to First Close
$22,400
Holding Period — 6 Months
HML Interest9.99% IO · $1,682/mo × 6$10,090
Property Taxes$422/mo × 6$2,531
Insurance$177/mo × 6$1,060
Total Holding Costs$13,680
Contingency Reserve10% of rehab — held, not at first close$1,295
Sale Event — Second Close
Sale Price (ARV)
$259,000
−
HML Principal Payofffull IO loan balance
$202,000
−
Closing Costs3.5% of sale price
$9,065
−
Realtor Commission6% of sale price
$15,540
=
Net Proceeds to You
$32,395
Deal Summary
Net Proceeds at Closing
$32,395
−
Cash to First Close
$22,400
−
Holding Costs (6 mo)
$13,680
−
Contingency Reserve
$1,295
=
NET PROFIT
−$4,980
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$191,741−$7,259
15%$190,169−$8,831
20% ←$188,619−$10,381
25%$187,091−$11,909
30%$185,585−$13,415
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
0.526x
DSCR
Cash to Close
$68,771
single close · no bridge
Monthly Cash Flow
−$508/mo
Cash-on-Cash Yr 1
-8.9%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$159,200
LTV (80% of ARV)
61.5%
Monthly P&I
$1,070/mo
Equity at Close
$39,800
Down Payment20.0% of $199,000 purchase
$39,800
+
Origination Fee1 pts on $159,200
$1,592
+
DSCR Closing Coststitle / appraisal / escrow
$3,184
+
Acquisition Closing5% of purchase
$9,950
+
Rehab Budgetcash, not financed by DSCR loan
$12,950
Contingency Reserve10% of rehab$1,295
=
Total Cash to Close
$68,771
Equity Position — Day 1 Post-Refi
Property Value
$259,000
−
DSCR Loan Balance
$159,200
=
Equity in Property
$99,800 (38.5%)
−
Capital Left in Deal
$68,771
=
Value Created
$31,029
$99,800 equity on $68,771 deployed = 1.5× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,319
−
Property Taxes
$422
−
Insurance
$177
−
Maintenance (6% rent)
$79
−
Management (6% rent)
$79
=
OpEx Subtotal
$757
=
Net Operating Income
$562
−
DSCR P&I
$1,070/mo
=
Net Cash Flow
−$508/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.526x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.791x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$1,896/mo+$577 needed
1.10x$2,017/mo+$698 needed
1.20x$2,139/mo+$820 needed
1.30x ←$2,260/mo+$941 needed
1.40x$2,382/mo+$1,063 needed
6320 Laura Koppe Rd, Houston, TX 77016 — MX Analyzer