12656 Cotorra SpringsSan AntonioTX78254
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.3% gross rental yield, 12656 Cotorra Springs, San Antonio, TX, 78254 in San Antonio is priced for capital growth, not immediate cash flow. The $487,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $134,798 by year five, with $4,494/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.98) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $99,194.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 5.8% |
| Monthly Cash Flow | $(1,367) | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,154 |
| Total Monthly Debt Service | $3,327 |
| DSCR Ratio | 0.65x |
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 2025
4,791 sqft lot
$N/A/sqft
$621 annually 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
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 2025
4,791 sqft lot
$N/A/sqft
$621 annually 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
Nearby investment properties with comparable prices
Listed by: Lee Jones • Perry Homes Realty, LLC
Mls Name: SABOR
Mls Provider:
Mls ID: #1858905
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.