19538 Clay OakSan AntonioTX78258
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.50 makes 19538 Clay Oak, San Antonio, TX, 78258 in San Antonio one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 8.07%. The 8.07% yield, 5% annual appreciation ($132,615 over five years), and $4,421/yr in principal reduction project a total cumulative return of $170,039.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 5.8% |
| Monthly Cash Flow | $(219) | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,227 |
| Total Monthly Debt Service | $3,255 |
| DSCR Ratio | 0.99x |
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 2003
7,405 sqft lot
$N/A/sqft
$312 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78258, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,242 (100%) |
| Owner Occupied HU | 11,557 (54.4%) |
| Renter Occupied HU | 8,024 (37.8%) |
| Vacant Housing Units | 1,661 ( 7.8%) |
| Median Home Value | $449,100 |
| Average Home Value | $492,823 |
Housing Distribution
Address Breakdown
Residential
22,087
Single Family
12,557
Multi-Family
9,530
Businesses
1,439
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 2003
7,405 sqft lot
$N/A/sqft
$312 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78258, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,242 (100%) |
| Owner Occupied HU | 11,557 (54.4%) |
| Renter Occupied HU | 8,024 (37.8%) |
| Vacant Housing Units | 1,661 ( 7.8%) |
| Median Home Value | $449,100 |
| Average Home Value | $492,823 |
Housing Distribution
Address Breakdown
Residential
22,087
Single Family
12,557
Multi-Family
9,530
Businesses
1,439
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jordan Martin-Funk • Evoke Realty
Mls Name: SABOR
Mls Provider:
Mls ID: #1852890
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.