7305 Capitol St, Houston, TX 77011
Houston, 77011
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Listing Agent
Jose Sandoval
(281) 964-5906
MMX Group/7305 Capitol St, Houston, TX 77011
Flip-143.4%✗
HM→DSCR0.437x✗
Cash→DSCR0.437x✗
New Deal

7305 Capitol St, Houston, TX 77011

4bd / 2ba · 1,548 sqft · built 1936 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.418x
FAIL
NOI ÷ debt service
Lender DSCR
0.679x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$1,093/mo
FAIL
post all expenses · day 1
Cash to Close
$115,206
80% LTV · single close
Value Generated
$10,800
ARV − purchase − rehab
Starting Equity %
21.6%
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
-143.4%
Flip ROI
Cash to First Close
$38,394
what you bring day 1
Net Profit
−$89,840
Max Bid @ 20%
$259,540
−$89,840 profit  ÷  $62,670 total invested  =  -143.4%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$349,350
Purchase (95% LTV)
$331,550
Rehab (100%)
$17,800
Loan-to-ARV
98.1%
Monthly Interest
$2,908/mo
Down Payment5% of $349,000 purchase
$17,450
+
Origination Fee1 pts on $349,350 loan
$3,494
+
Closing Costs5% of purchase
$17,450
=
Cash to First Close
$38,394
Holding Period — 6 Months
HML Interest9.99% IO · $2,908/mo × 6$17,450
Property Taxes$535/mo × 6$3,212
Insurance$306/mo × 6$1,834
Total Holding Costs$22,496
Contingency Reserve10% of rehab — held, not at first close$1,780
Sale Event — Second Close
Sale Price (ARV)
$356,000
−
HML Principal Payofffull IO loan balance
$349,350
−
Closing Costs3.5% of sale price
$12,460
−
Realtor Commission6% of sale price
$21,360
=
Net Proceeds to You
−$27,170
Deal Summary
Net Proceeds at Closing
−$27,170
−
Cash to First Close
$38,394
−
Holding Costs (6 mo)
$22,496
−
Contingency Reserve
$1,780
=
NET PROFIT
−$89,840
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$263,810−$85,190
15%$261,660−$87,340
20% ←$259,540−$89,460
25%$257,449−$91,551
30%$255,388−$93,612
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
0.418x
DSCR
Cash to Close
$115,206
single close · no bridge
Monthly Cash Flow
−$1,093/mo
Cash-on-Cash Yr 1
-11.4%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$279,200
LTV (80% of ARV)
78.4%
Monthly P&I
$1,876/mo
Equity at Close
$69,800
Down Payment20.0% of $349,000 purchase
$69,800
+
Origination Fee1 pts on $279,200
$2,792
+
DSCR Closing Coststitle / appraisal / escrow
$5,584
+
Acquisition Closing5% of purchase
$17,450
+
Rehab Budgetcash, not financed by DSCR loan
$17,800
Contingency Reserve10% of rehab$1,780
=
Total Cash to Close
$115,206
Equity Position — Day 1 Post-Refi
Property Value
$356,000
−
DSCR Loan Balance
$279,200
=
Equity in Property
$76,800 (21.6%)
−
Capital Left in Deal
$115,206
=
Value Created
−$38,406
$76,800 equity on $115,206 deployed = 0.7× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,846
−
Property Taxes
$535
−
Insurance
$306
−
Maintenance (6% rent)
$111
−
Management (6% rent)
$111
=
OpEx Subtotal
$1,063
=
Net Operating Income
$783
−
DSCR P&I
$1,876/mo
=
Net Cash Flow
−$1,093/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.418x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.679x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$3,088/mo+$1,242 needed
1.10x$3,301/mo+$1,455 needed
1.20x$3,514/mo+$1,668 needed
1.30x ←$3,728/mo+$1,882 needed
1.40x$3,941/mo+$2,095 needed