12911 Cluster Pine Dr, Cypress, TX 77429
Analyzed
Call Notes
Seller
NameKim Kewney
Phone(281) 995-0904
Emailkimkewney.za@gmail.com
Timelineasap
Reason for sellingother
Legal owner statusyes-owner
Property
Typesingle-family
Conditiongood
CountyHarris
Valuation
ARV$429,000
Equity$246,368 (57.0%)
Mortgage balance (est.)$182,632 (18.8% of original loan paid off)
Monthly mortgage payment$1,056
Monthly HOA$58
Original loan amount$225,000
Involuntary liensNone found
Owner of recordKEWNEY KIM MICHELE
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%$300,300
60%$257,400
50%$214,500
Pitch the Offer
ARV$
Market discount%−$64,350
Realtor fee%−$25,740
Closing costs%−$17,160
Rehab reserve$
Interest rate%−$3,525 / 6momanually entered rate
Insurance (annual, % of ARV)%−$2,145 / 6mo
Annual property taxes$−$2,795 / 6mo
Net before mortgage payoff$304,705
Mortgage payoff$defaults to the seller-reported balance above, or PropStream's estimate if none is set
Net offer$122,073
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.