21038 Gravel KeepSan AntonioTX78266
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 21038 Gravel Keep, San Antonio, TX, 78266 in San Antonio offers a clean, manageable entry. Rental yield 7.81%. DSCR 1.45 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $122,255 in additional property value over five years, with $4,075/yr in principal equity building ownership stake. Total projected cumulative return: $147,633.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 5.8% |
| Monthly Cash Flow | $(347) | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $3,051 |
| DSCR Ratio | 0.94x |
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
6,098 sqft lot
$N/A/sqft
$240 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78266, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,832 (100%) |
| Owner Occupied HU | 2,349 (82.9%) |
| Renter Occupied HU | 427 (15.1%) |
| Vacant Housing Units | 56 ( 2.0%) |
| Median Home Value | $688,579 |
| Average Home Value | $711,878 |
Housing Distribution
Address Breakdown
Residential
3,196
Single Family
3,196
Multi-Family
0
Businesses
265
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
6,098 sqft lot
$N/A/sqft
$240 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78266, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,832 (100%) |
| Owner Occupied HU | 2,349 (82.9%) |
| Renter Occupied HU | 427 (15.1%) |
| Vacant Housing Units | 56 ( 2.0%) |
| Median Home Value | $688,579 |
| Average Home Value | $711,878 |
Housing Distribution
Address Breakdown
Residential
3,196
Single Family
3,196
Multi-Family
0
Businesses
265
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: R.J. Reyes • Keller Williams Heritage
Mls Name: LERA MLS
Mls Provider:
Mls ID: #1897436
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.