8422 Lanewood Dr, Houston, TX 77016
Houston, 77016
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Listing Agent
Lauren Miller
(281) 543-1581lauren@grayventurestx.com
MMX Group/8422 Lanewood Dr, Houston, TX 77016
Flip-94.6%✗
HM→DSCR0.273x✗
Cash→DSCR0.273x✗
New Deal

8422 Lanewood Dr, Houston, TX 77016

3bd / 2.5ba · 2,017 sqft · built 2021 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.287x
FAIL
NOI ÷ debt service
Lender DSCR
0.602x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$1,031/mo
FAIL
post all expenses · day 1
Cash to Close
$90,316
80% LTV · single close
Value Generated
$17,900
ARV − purchase − rehab
Starting Equity %
28.7%
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
-94.6%
Flip ROI
Cash to First Close
$29,607
what you bring day 1
Net Profit
−$46,450
Max Bid @ 20%
$219,825
−$46,450 profit  ÷  $49,110 total invested  =  -94.6%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$270,650
Purchase (95% LTV)
$255,550
Rehab (100%)
$15,100
Loan-to-ARV
89.6%
Monthly Interest
$2,253/mo
Down Payment5% of $269,000 purchase
$13,450
+
Origination Fee1 pts on $270,650 loan
$2,707
+
Closing Costs5% of purchase
$13,450
=
Cash to First Close
$29,607
Holding Period — 6 Months
HML Interest9.99% IO · $2,253/mo × 6$13,519
Property Taxes$509/mo × 6$3,055
Insurance$237/mo × 6$1,421
Total Holding Costs$17,994
Contingency Reserve10% of rehab — held, not at first close$1,510
Sale Event — Second Close
Sale Price (ARV)
$302,000
−
HML Principal Payofffull IO loan balance
$270,650
−
Closing Costs3.5% of sale price
$10,570
−
Realtor Commission6% of sale price
$18,120
=
Net Proceeds to You
$2,660
Deal Summary
Net Proceeds at Closing
$2,660
−
Cash to First Close
$29,607
−
Holding Costs (6 mo)
$17,994
−
Contingency Reserve
$1,510
=
NET PROFIT
−$46,450
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$223,473−$45,527
15%$221,636−$47,364
20% ←$219,825−$49,175
25%$218,040−$50,960
30%$216,280−$52,720
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
0.287x
DSCR
Cash to Close
$90,316
single close · no bridge
Monthly Cash Flow
−$1,031/mo
Cash-on-Cash Yr 1
-13.7%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$215,200
LTV (80% of ARV)
71.3%
Monthly P&I
$1,446/mo
Equity at Close
$53,800
Down Payment20.0% of $269,000 purchase
$53,800
+
Origination Fee1 pts on $215,200
$2,152
+
DSCR Closing Coststitle / appraisal / escrow
$4,304
+
Acquisition Closing5% of purchase
$13,450
+
Rehab Budgetcash, not financed by DSCR loan
$15,100
Contingency Reserve10% of rehab$1,510
=
Total Cash to Close
$90,316
Equity Position — Day 1 Post-Refi
Property Value
$302,000
−
DSCR Loan Balance
$215,200
=
Equity in Property
$86,800 (28.7%)
−
Capital Left in Deal
$90,316
=
Value Created
−$3,516
$86,800 equity on $90,316 deployed = 1.0× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$1,319
−
Property Taxes
$509
−
Insurance
$237
−
Maintenance (6% rent)
$79
−
Management (6% rent)
$79
=
OpEx Subtotal
$904
=
Net Operating Income
$415
−
DSCR P&I
$1,446/mo
=
Net Cash Flow
−$1,031/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.287x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.602x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,491/mo+$1,172 needed
1.10x$2,655/mo+$1,336 needed
1.20x$2,820/mo+$1,501 needed
1.30x ←$2,984/mo+$1,665 needed
1.40x$3,148/mo+$1,829 needed
8422 Lanewood Dr, Houston, TX 77016 — MX Analyzer