9826 Green Valley Ln, Houston, TX 77064
Houston, 77064
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Listing Agent
Rachel Mcbee
(832) 282-8856
MMX Group/9826 Green Valley Ln, Houston, TX 77064
Flip-237.3%✗
HM→DSCR0.786x✗
Cash→DSCR0.786x✗
New Deal

9826 Green Valley Ln, Houston, TX 77064

4bd / 2.5ba · 2,456 sqft · built 1989 · Single FamilyAnalyzed Jul 30, 2026
DSCR
0.737x
FAIL
NOI ÷ debt service
Lender DSCR
0.927x
FAIL
EGI ÷ P&I+tax+ins+HOA
Monthly Cash Flow
−$470/mo
FAIL
post all expenses · day 1
Cash to Close
$180,627
80% LTV · single close
Value Generated
$84,599
ARV − purchase − rehab
Starting Equity %
20.0%
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
-237.3%
Flip ROI
Cash to First Close
$43,966
what you bring day 1
Net Profit
−$166,160
Max Bid @ 20%
$242,560
−$166,160 profit  ÷  $70,021 total invested  =  -237.3%
Acquisition Event — First Close
Hard Money Loan — 9.99% Interest-Only
Loan Amount
$396,599
Purchase (95% LTV)
$379,999
Rehab (100%)
$16,600
Loan-to-ARV
119.5%
Monthly Interest
$3,302/mo
Down Payment5% of $399,999 purchase
$20,000
+
Origination Fee1 pts on $396,599 loan
$3,966
+
Closing Costs5% of purchase
$20,000
=
Cash to First Close
$43,966
Holding Period — 6 Months
HML Interest9.99% IO · $3,302/mo × 6$19,810
Property Taxes$417/mo × 6$2,502
Insurance$347/mo × 6$2,083
Total Holding Costs$24,395
Contingency Reserve10% of rehab — held, not at first close$1,660
Sale Event — Second Close
Sale Price (ARV)
$332,000
−
HML Principal Payofffull IO loan balance
$396,599
−
Closing Costs3.5% of sale price
$11,620
−
Realtor Commission6% of sale price
$19,920
=
Net Proceeds to You
−$96,139
Deal Summary
Net Proceeds at Closing
−$96,139
−
Cash to First Close
$43,966
−
Holding Costs (6 mo)
$24,395
−
Contingency Reserve
$1,660
=
NET PROFIT
−$166,160
Max Bid by ROI Target
ROIMax Bidvs Offer
10%$246,507−$153,492
15%$244,519−$155,480
20% ←$242,560−$157,439
25%$240,628−$159,371
30%$238,724−$161,275
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
0.737x
DSCR
Cash to Close
$180,627
single close · no bridge
Monthly Cash Flow
−$470/mo
Cash-on-Cash Yr 1
-3.1%
Acquisition — Single Close
DSCR Purchase Loan — 7.1% / 30yr · Minimal Rehab · No Bridge
Loan Amount
$265,600
LTV (80% of ARV)
80.0%
Monthly P&I
$1,785/mo
Equity at Close
$66,400
Down Payment33.6% of $399,999 purchase
$134,399
+
Origination Fee1 pts on $265,600
$2,656
+
DSCR Closing Coststitle / appraisal / escrow
$5,312
+
Acquisition Closing5% of purchase
$20,000
+
Rehab Budgetcash, not financed by DSCR loan
$16,600
Contingency Reserve10% of rehab$1,660
=
Total Cash to Close
$180,627
Equity Position — Day 1 Post-Refi
Property Value
$332,000
−
DSCR Loan Balance
$265,600
=
Equity in Property
$66,400 (20.0%)
−
Capital Left in Deal
$180,627
=
Value Created
−$114,227
$66,400 equity on $180,627 deployed = 0.4× equity leverage
Monthly Income & Expenses — Post-DSCR
Gross Rent
$2,363
−
Property Taxes
$417
−
Insurance
$347
−
Maintenance (6% rent)
$142
−
Management (6% rent)
$142
=
OpEx Subtotal
$1,048
=
Net Operating Income
$1,315
−
DSCR P&I
$1,785/mo
=
Net Cash Flow
−$470/mo
DSCR Ratios
DSCR (NOI / Debt Service)
0.737x✗ Fail
Lender DSCR (EGI / P&I+tax+ins+HOA)
0.927x✗ Fail
Required Rent by DSCR Target
TargetRent Neededvs Current
1.00x$2,897/mo+$534 needed
1.10x$3,100/mo+$737 needed
1.20x$3,302/mo+$939 needed
1.30x ←$3,505/mo+$1,142 needed
1.40x$3,708/mo+$1,345 needed
9826 Green Valley Ln, Houston, TX 77064 — MX Analyzer