12340 Saddle UpSan AntonioTX78254
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 12340 Saddle Up, San Antonio, TX, 78254 in San Antonio is a conservative rental investment at $539,900. Rental yield 6.84%. A 1.27 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $149,164; $4,973/yr in principal paydown supplements. Total projected return: $157,981.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 5.8% |
| Monthly Cash Flow | $(760) | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,079 |
| Total Monthly Debt Service | $3,625 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2019
9,104 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78254, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,783 (100%) |
| Owner Occupied HU | 25,306 (79.6%) |
| Renter Occupied HU | 5,149 (16.2%) |
| Vacant Housing Units | 1,328 ( 4.2%) |
| Median Home Value | $350,768 |
| Average Home Value | $375,437 |
Housing Distribution
Address Breakdown
Residential
30,371
Single Family
28,821
Multi-Family
1,550
Businesses
401
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 2019
9,104 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78254, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,783 (100%) |
| Owner Occupied HU | 25,306 (79.6%) |
| Renter Occupied HU | 5,149 (16.2%) |
| Vacant Housing Units | 1,328 ( 4.2%) |
| Median Home Value | $350,768 |
| Average Home Value | $375,437 |
Housing Distribution
Address Breakdown
Residential
30,371
Single Family
28,821
Multi-Family
1,550
Businesses
401
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
No similar price properties found nearby.
Listed by: Duncan Elliott • Phillips & Associates Realty
Mls Name: LERA MLS
Mls ID: #1913233