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Texas Flip vs Rent: 75% LTV Lender Comparison
Texas Flip vs Rent: 75% LTV Lender Comparison
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 a fixed leverage so lenders are comparable.
Table 1 is the desired 75% LTV takeout ($247,500 on $330,000). Table 2 is the highest LTV every lender below can clear on this file — 65% ($214,500) — because Kiavi did not authorize 75%.
FICO 720, fully amortizing where available, 3-2-1 prepay where shown. Live retail pulls dated 2026-09-17.
75% LTV ($247,500)
| Lender | Interest rate | Loan amount | Origination points |
|---|---|---|---|
| Visio Lending | 8.192% | $247,500 | 0.00 discount (orig. not shown; YSP 2%) |
| Easy Street Capital | 8.625% | $247,500 | 3.00 |
| Best Price Lending | 8.875% | $247,500 | 3.00 |
| Kiavi | — | Not authorized at 75% | — |
Visio also returned pricing up to 90% LTV on this path. Acra Lending and American Heritage Lending did not return live 75% LTV rows on bestpricelending.com/price-a-loan for this pull.
65% LTV ($214,500) — all lenders
Same deal, lower leverage so every lender above can clear the same loan amount.
| Lender | Interest rate | Loan amount | Origination points |
|---|---|---|---|
| Visio Lending | 7.942% | $214,500 | 0.00 discount (orig. not shown; YSP 2%) |
| Easy Street Capital | Not returned at 65% | $214,500 | — |
| Best Price Lending | 7.000% | $214,500 | 3.00 |
| Kiavi | 7.125% | $214,500 | 0.00 |
Easy Street Capital priced at 75% on this pull but did not return a live 65% LTV cell.
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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 2026-09-17 for the scenario above. Verify current terms. Equal Housing Lender. Important loan information and RESPA-required disclosures will be provided as applicable when you apply.
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