7338 Bartoncliff Dr, Katy, TX 77493
Katy, 77493
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Listing Agent
Kylynn Maldonado
(713) 269-7096kylynn.maldonado@gmail.com
MMX Group/7338 Bartoncliff Dr, Katy, TX 77493
Flip-99.6%✗
HM→DSCR0.525x✗
Cash→DSCR0.525x✗
New Deal

7338 Bartoncliff Dr, Katy, TX 77493

3bd / 2ba · 1,485 sqft · built 2023 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.547x
FAIL
NOI ÷ debt service
Lender DSCR
0.814x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$609/mo
FAIL
post all expenses · day 1
Cash to Close
$83,790
80% LTV · single close
Value Generated
$14,100
ARV − purchase − rehab
Starting Equity %
28.1%
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
-99.6%
Flip ROI
Cash to First Close
$27,514
what you bring day 1
Net Profit
−$46,062
Max Bid @ 20%
$201,665
−$46,062 profit  ÷  $46,252 total invested  =  -99.6%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$251,400
Purchase (95% LTV)
$237,500
Rehab (100%)
$13,900
Loan-to-ARV
90.4%
Monthly Interest
$2,093/mo
Down Payment5% of $250,000 purchase
$12,500
+
Origination Fee1 pts on $251,400 loan
$2,514
+
Closing Costs5% of purchase
$12,500
=
Cash to First Close
$27,514
Holding Period — 6 Months
HML Interest9.99% IO · $2,093/mo × 6$12,557
Property Taxes$579/mo × 6$3,471
Insurance$220/mo × 6$1,320
Total Holding Costs$17,348
Contingency Reserve10% of rehab — held, not at first close$1,390
Sale Event — Second Close
Sale Price (ARV)
$278,000
−
HML Principal Payofffull IO loan balance
$251,400
−
Closing Costs3.5% of sale price
$9,730
−
Realtor Commission6% of sale price
$16,680
=
Net Proceeds to You
$190
Deal Summary
Net Proceeds at Closing
$190
−
Cash to First Close
$27,514
−
Holding Costs (6 mo)
$17,348
−
Contingency Reserve
$1,390
=
NET PROFIT
−$46,062
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$205,070−$44,930
15%$203,355−$46,645
20% ←$201,665−$48,335
25%$199,997−$50,003
30%$198,354−$51,646
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
0.547x
DSCR
Cash to Close
$83,790
single close · no bridge
Monthly Cash Flow
−$609/mo
Cash-on-Cash Yr 1
-8.7%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$200,000
LTV (80% of ARV)
71.9%
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
$13,900
Contingency Reserve10% of rehab$1,390
=
Total Cash to Close
$83,790
Equity Position — Day 1 Post-Refi
Property Value
$278,000
−
DSCR Loan Balance
$200,000
=
Equity in Property
$78,000 (28.1%)
−
Capital Left in Deal
$83,790
=
Value Created
−$5,790
$78,000 equity on $83,790 deployed = 0.9× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,743
−
Property Taxes
$579
−
Insurance
$220
−
Maintenance (6% rent)
$105
−
Management (6% rent)
$105
=
OpEx Subtotal
$1,008
=
Net Operating Income
$735
−
DSCR P&I
$1,344/mo
=
Net Cash Flow
−$609/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.547x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.814x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,435/mo+$692 needed
1.10x$2,587/mo+$844 needed
1.20x$2,740/mo+$997 needed
1.30x ←$2,893/mo+$1,150 needed
1.40x$3,046/mo+$1,303 needed
7338 Bartoncliff Dr, Katy, TX 77493 — MX Analyzer