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Texas Flip vs Rent: Lender Comparison at Fixed LTVs
Texas Flip vs Rent: Lender Comparison at Fixed LTVs
Same Texas metro SFR modeled as a flip and as a rental hold. Purchase $183,000, rehab $46,000, ARV $330,000, market rent $2,600. Taxes $6,900, insurance $3,000, and HOA $1,200 leave about $925/month of carrying cost before debt service.
The flip path can pencil; an amortizing hold at full carrying costs often does not. Before you lock bridge capital, price the DSCR takeout at fixed leverage so lenders are comparable.
FICO 720, fully amortizing 30-year fixed, 3-2-1 prepay, escrows. Live retail quotes dated 2026-09-21. Tables show interest rate, loan amount, and origination only. When a lender cannot clear at the target investor price, the shortfall is shown as borrower origination.
75% LTV ($247,500)
| Lender | Interest rate | Loan amount | Origination |
|---|---|---|---|
| American Heritage | 6.875% | $247,500 | 0.00% |
| Acra (Platinum) | 7.500% | $247,500 | 0.50% |
| Best Price Lending | 7.625% | $247,500 | 0.00% |
| Easy Street Capital (Signature) | 8.875% | $247,500 | 0.00% |
Easy Street Signature DSCR on this 75% row is under 1.0× at the stressed rent and TI/HOA — disclose before you treat it as a hold. Acra origination reflects pricing short of the target investor price.
65% LTV ($214,500)
| Lender | Interest rate | Loan amount | Origination |
|---|---|---|---|
| American Heritage | 6.750% | $214,500 | 0.00% |
| Best Price Lending | 7.250% | $214,500 | 0.00% |
| Acra | 7.250% | $214,500 | 0.50% |
| Easy Street Capital (Signature) | 7.875% | $214,500 | 0.00% |
70% LTV ($231,000)
| Lender | Interest rate | Loan amount | Origination |
|---|---|---|---|
| American Heritage | 6.750% | $231,000 | 0.125% |
| Best Price Lending | 7.375% | $231,000 | 0.00% |
| Acra | 7.375% | $231,000 | 0.50% |
| Easy Street Capital (Signature) | 8.500% | $231,000 | 0.00% |
American Heritage and Acra origination rows reflect pricing short of the target investor price on this pull.
80% LTV ($264,000)
| Lender | Interest rate | Loan amount | Origination |
|---|---|---|---|
| American Heritage | 7.125% | $264,000 | 0.00% |
| Best Price Lending | 7.750% | $264,000 | 0.00% |
| Acra | 8.375% | $264,000 | 0.50% |
| Easy Street Capital (Signature) | 6.500% | $264,000 | 5.875% |
Easy Street Signature at 80% only clears with 5.875% borrower origination on this sheet (short of the target investor price). Prefer ≤75% unless the borrower accepts that points load. American Heritage 80% coverage is thin on this rent — confirm their DSCR floor before you bid.
Sources: Best Price Lending, Acra, and American Heritage from LoanLOS live pricing (2026-09-21). Easy Street Capital from current Signature rate sheet (same day). Educational comparison only.
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Educational only. Not a loan commitment, rate lock, or offer to lend. Rates, points, and guidelines change. Figures are illustrative live retail quotes dated 2026-09-21 for the scenario above. Verify current terms. Equal Housing Lender.
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