12607 Querida Ct, Houston, TX 77045
Analyzed
Call Notes
Seller
NameJuan Garcia
Phone(832) 873-8569
Emaililustraus@gmail.com
Timelineasap
Reason for sellingother
Legal owner statusyes-owner
Property
Typesingle-family
Conditiongood
CountyHarris
Valuation
ARV$232,000
Equity$157,130 (68.0%)
Mortgage balance (est.)$74,870 (31.5% of original loan paid off)
Monthly mortgage payment$505
Monthly HOA$25
Original loan amount$109,223
Involuntary liensNone found
Owner of recordGARCIA JUAN C
Owner match✓ Matches lead
Mortgage balance is PropStream's amortization estimate from the original loan's recorded terms — not a live servicer balance. It won't reflect a refinance, cash-out, or ARM rate reset since origination; verify with the seller directly when it matters.
Maximum Allowable Offer (% of ARV)
70%$162,400
60%$139,200
50%$116,000
Pitch the Offer
ARV$
Market discount%−$34,800
Realtor fee%−$13,920
Closing costs%−$9,280
Rehab reserve$
Interest rate%−$1,086 / 6momanually entered rate
Insurance (annual, % of ARV)%−$1,160 / 6mo
Annual property taxes$−$1,285 / 6mo
Net before mortgage payoff$165,829
Mortgage payoff$defaults to the seller-reported balance above, or PropStream's estimate if none is set
Net offer$90,959
Every number above is editable — type over any default and Net Offer recalculates instantly; click Save pitch numbers to keep your edits for next time. The 6-mo carry cost charges interest only, not principal — the mortgage payoff already accounts for the principal, so charging 6 months of principal reduction on top of that would double-count it.