7522 Zion Grove Ct, Katy, TX 77493
Katy, 77493
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Listing Agent
Jennifer Trevino
(281) 788-0538jennyflygirlradio@gmail.com
MMX Group/7522 Zion Grove Ct, Katy, TX 77493
Flip-128.4%✗
HM→DSCR0.323x✗
Cash→DSCR0.323x✗
New Deal

7522 Zion Grove Ct, Katy, TX 77493

4bd / 3ba · 1,916 sqft · built 2023 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.318x
FAIL
NOI ÷ debt service
Lender DSCR
0.640x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$1,463/mo
FAIL
post all expenses · day 1
Cash to Close
$132,371
80% LTV · single close
Value Generated
$950
ARV − purchase − rehab
Starting Equity %
23.8%
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
-128.4%
Flip ROI
Cash to First Close
$43,900
what you bring day 1
Net Profit
−$94,000
Max Bid @ 20%
$304,065
−$94,000 profit  ÷  $73,195 total invested  =  -128.4%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$400,000
Purchase (95% LTV)
$379,050
Rehab (100%)
$20,950
Loan-to-ARV
95.5%
Monthly Interest
$3,330/mo
Down Payment5% of $399,000 purchase
$19,950
+
Origination Fee1 pts on $400,000 loan
$4,000
+
Closing Costs5% of purchase
$19,950
=
Cash to First Close
$43,900
Holding Period — 6 Months
HML Interest9.99% IO · $3,330/mo × 6$19,980
Property Taxes$853/mo × 6$5,120
Insurance$350/mo × 6$2,100
Total Holding Costs$27,200
Contingency Reserve10% of rehab — held, not at first close$2,095
Sale Event — Second Close
Sale Price (ARV)
$419,000
−
HML Principal Payofffull IO loan balance
$400,000
−
Closing Costs3.5% of sale price
$14,665
−
Realtor Commission6% of sale price
$25,140
=
Net Proceeds to You
−$20,805
Deal Summary
Net Proceeds at Closing
−$20,805
−
Cash to First Close
$43,900
−
Holding Costs (6 mo)
$27,200
−
Contingency Reserve
$2,095
=
NET PROFIT
−$94,000
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$309,190−$89,810
15%$306,609−$92,391
20% ←$304,065−$94,935
25%$301,556−$97,444
30%$299,082−$99,918
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
0.318x
DSCR
Cash to Close
$132,371
single close · no bridge
Monthly Cash Flow
−$1,463/mo
Cash-on-Cash Yr 1
-13.3%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$319,200
LTV (80% of ARV)
76.2%
Monthly P&I
$2,145/mo
Equity at Close
$79,800
Down Payment20.0% of $399,000 purchase
$79,800
+
Origination Fee1 pts on $319,200
$3,192
+
DSCR Closing Coststitle / appraisal / escrow
$6,384
+
Acquisition Closing5% of purchase
$19,950
+
Rehab Budgetcash, not financed by DSCR loan
$20,950
Contingency Reserve10% of rehab$2,095
=
Total Cash to Close
$132,371
Equity Position — Day 1 Post-Refi
Property Value
$419,000
−
DSCR Loan Balance
$319,200
=
Equity in Property
$99,800 (23.8%)
−
Capital Left in Deal
$132,371
=
Value Created
−$32,571
$99,800 equity on $132,371 deployed = 0.8× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,143
−
Property Taxes
$853
−
Insurance
$350
−
Maintenance (6% rent)
$129
−
Management (6% rent)
$129
=
OpEx Subtotal
$1,460
=
Net Operating Income
$683
−
DSCR P&I
$2,145/mo
=
Net Cash Flow
−$1,463/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.318x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.640x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$3,805/mo+$1,662 needed
1.10x$4,049/mo+$1,906 needed
1.20x$4,293/mo+$2,150 needed
1.30x ←$4,536/mo+$2,393 needed
1.40x$4,780/mo+$2,637 needed
7522 Zion Grove Ct, Katy, TX 77493 — MX Analyzer