1515 Saddlecreek Dr, Houston, TX 77090
Analyzed
Call Notes
Seller
NameJnai Chat
Phone(281) 967-8432
Emailmizzjnai@yahoo.com
Timeline30-days
Reason for sellingdownsizing
Legal owner statusyes-owner
Property
Typesingle-family
Conditionfair
CountyHarris
Valuation
ARV$345,000
Equity$162,177 (47.0%)
Mortgage balance (est.)$182,823 (18.5% of original loan paid off)
Monthly mortgage payment$960
Monthly HOA$323
Original loan amount$224,365
Involuntary liensNone found
Owner of recordBEARD JNAI A
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%$241,500
60%$207,000
50%$172,500
Pitch the Offer
ARV$
Market discount%−$51,750
Realtor fee%−$20,700
Closing costs%−$13,800
Rehab reserve$
Interest rate%−$2,788 / 6momanually entered rate
Insurance (annual, % of ARV)%−$1,725 / 6mo
Annual property taxes$−$2,464 / 6mo
Net before mortgage payoff$244,873
Mortgage payoff$defaults to the seller-reported balance above, or PropStream's estimate if none is set
Net offer$62,050
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.