104 WINTER FROSTCiboloTX78108
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 104 WINTER FROST, Cibolo, TX, 78108 in Cibolo at $324,990 earns $2,431/mo in rent and nets $104/mo after the $1,461/mo payment, a 8.98% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $89,789 over five years. Ziffy Mortgage underwrites this on a 1.66 DSCR without U.S. credit history. With $2,993/yr in principal paydown, total projected return reaches $131,330.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $104 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,431 |
| Total Monthly Debt Service | $2,198 |
| DSCR Ratio | 1.11x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1999
10,454 sqft lot
$N/A/sqft
$198 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78108, Cibolo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,612 (100%) |
| Owner Occupied HU | 13,921 (79.0%) |
| Renter Occupied HU | 2,827 (16.1%) |
| Vacant Housing Units | 864 ( 4.9%) |
| Median Home Value | $350,025 |
| Average Home Value | $376,748 |
Housing Distribution
Address Breakdown
Residential
16,856
Single Family
16,330
Multi-Family
526
Businesses
533
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1999
10,454 sqft lot
$N/A/sqft
$198 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78108, Cibolo, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,612 (100%) |
| Owner Occupied HU | 13,921 (79.0%) |
| Renter Occupied HU | 2,827 (16.1%) |
| Vacant Housing Units | 864 ( 4.9%) |
| Median Home Value | $350,025 |
| Average Home Value | $376,748 |
Housing Distribution
Address Breakdown
Residential
16,856
Single Family
16,330
Multi-Family
526
Businesses
533
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Keonna Luera • Redbird Realty LLC
Mls Name: SABOR
Mls Provider:
Mls ID: #1838785
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.