20427 TerrabiancaSan AntonioTX78258
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 20427 Terrabianca, San Antonio, TX, 78258 in San Antonio fits: $1,249,000, 3.07% gross yield, and a projected 5% annual appreciation rate adding $345,076 in value within five years. Rental yield 3.07%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.57) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $11,503/yr in principal paydown and $345,076 in appreciation project a total return of $112,959.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 5.8% |
| Monthly Cash Flow | $(5,868) | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,199 |
| Total Monthly Debt Service | $8,385 |
| DSCR Ratio | 0.38x |
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 2012
3.10 Acres lot
$N/A/sqft
No 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 2012
3.10 Acres lot
$N/A/sqft
No 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: Lisa Cano • Keller Williams Heritage
Mls Name: LERA MLS
Mls ID: #1941345