6514 Vialinda Dr, Houston, TX 77083
Houston, 77083
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Listing Agent
Jessica Lowe
(346) 243-0051jepalowe@gmail.com
MMX Group/6514 Vialinda Dr, Houston, TX 77083
Flip-160.0%✗
HM→DSCR0.871x✗
Cash→DSCR0.871x✗
New Deal

6514 Vialinda Dr, Houston, TX 77083

4bd / 2.5ba · 2,219 sqft · built 1978 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.836x
FAIL
NOI ÷ debt service
Lender DSCR
1.004x
PASS
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$252/mo
FAIL
post all expenses · day 1
Cash to Close
$105,864
80% LTV · single close
Value Generated
$18,000
ARV − purchase − rehab
Starting Equity %
21.9%
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
-160.0%
Flip ROI
Cash to First Close
$31,567
what you bring day 1
Net Profit
−$84,121
Max Bid @ 20%
$203,299
−$84,121 profit  ÷  $52,586 total invested  =  -160.0%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$296,700
Purchase (95% LTV)
$271,700
Rehab (100%)
$25,000
Loan-to-ARV
101.3%
Monthly Interest
$2,470/mo
Down Payment5% of $286,000 purchase
$14,300
+
Origination Fee1 pts on $296,700 loan
$2,967
+
Closing Costs5% of purchase
$14,300
=
Cash to First Close
$31,567
Holding Period — 6 Months
HML Interest9.99% IO · $2,470/mo × 6$14,820
Property Taxes$357/mo × 6$2,144
Insurance$259/mo × 6$1,555
Total Holding Costs$18,519
Contingency Reserve10% of rehab — held, not at first close$2,500
Sale Event — Second Close
Sale Price (ARV)
$293,000
−
HML Principal Payofffull IO loan balance
$296,700
−
Closing Costs3.5% of sale price
$10,255
−
Realtor Commission6% of sale price
$17,580
=
Net Proceeds to You
−$31,535
Deal Summary
Net Proceeds at Closing
−$31,535
−
Cash to First Close
$31,567
−
Holding Costs (6 mo)
$18,519
−
Contingency Reserve
$2,500
=
NET PROFIT
−$84,121
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$206,773−$79,227
15%$205,024−$80,976
20% ←$203,299−$82,701
25%$201,599−$84,401
30%$199,922−$86,078
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
0.836x
DSCR
Cash to Close
$105,864
single close · no bridge
Monthly Cash Flow
−$252/mo
Cash-on-Cash Yr 1
-2.9%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$228,800
LTV (80% of ARV)
78.1%
Monthly P&I
$1,538/mo
Equity at Close
$57,200
Down Payment20.0% of $286,000 purchase
$57,200
+
Origination Fee1 pts on $228,800
$2,288
+
DSCR Closing Coststitle / appraisal / escrow
$4,576
+
Acquisition Closing5% of purchase
$14,300
+
Rehab Budgetcash, not financed by DSCR loan
$25,000
Contingency Reserve10% of rehab$2,500
=
Total Cash to Close
$105,864
Equity Position — Day 1 Post-Refi
Property Value
$293,000
−
DSCR Loan Balance
$228,800
=
Equity in Property
$64,200 (21.9%)
−
Capital Left in Deal
$105,864
=
Value Created
−$41,664
$64,200 equity on $105,864 deployed = 0.6× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,162
−
Property Taxes
$357
−
Insurance
$259
−
Maintenance (6% rent)
$130
−
Management (6% rent)
$130
=
OpEx Subtotal
$876
=
Net Operating Income
$1,286
−
DSCR P&I
$1,538/mo
=
Net Cash Flow
−$252/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.836x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
1.004x✓ Pass
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,448/mo+$286 needed
1.10x$2,623/mo+$461 needed
1.20x$2,797/mo+$635 needed
1.30x ←$2,972/mo+$810 needed
1.40x$3,147/mo+$985 needed