1339 S Flores #105BSan AntonioTX78204
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1339 S Flores #105B, San Antonio, TX, 78204 in San Antonio the bet is firmly on appreciation. Rental yield 4.58%. The 4.58% gross yield on a $320,000 price is below income-first thresholds, but 5%/yr value growth projects $88,410 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.85) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $54,716.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.8% |
| Monthly Cash Flow | $(1,055) | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,220 |
| Total Monthly Debt Service | $2,148 |
| DSCR Ratio | 0.57x |
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.
Condo
Built in 1946
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78204, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,639 (100%) |
| Owner Occupied HU | 2,441 (36.8%) |
| Renter Occupied HU | 3,185 (48.0%) |
| Vacant Housing Units | 1,013 (15.3%) |
| Median Home Value | $215,315 |
| Average Home Value | $282,599 |
Housing Distribution
Address Breakdown
Residential
6,248
Single Family
3,783
Multi-Family
2,465
Businesses
417
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
Condo
Built in 1946
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78204, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,639 (100%) |
| Owner Occupied HU | 2,441 (36.8%) |
| Renter Occupied HU | 3,185 (48.0%) |
| Vacant Housing Units | 1,013 (15.3%) |
| Median Home Value | $215,315 |
| Average Home Value | $282,599 |
Housing Distribution
Address Breakdown
Residential
6,248
Single Family
3,783
Multi-Family
2,465
Businesses
417
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Patty Monteza • Keller Williams City-View
Mls Name: LERA MLS
Mls ID: #1912978