21328 RubySan AntonioTX78266
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 21328 Ruby, San Antonio, TX, 78266 in San Antonio at $388,000 earns $2,911/mo in rent and nets $37/mo after the $1,745/mo payment, a 9% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $107,197 over five years. Ziffy Mortgage underwrites this on a 1.67 DSCR without U.S. credit history. With $3,574/yr in principal paydown, total projected return reaches $158,417.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 5.8% |
| Monthly Cash Flow | $37 | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,911 |
| Total Monthly Debt Service | $2,605 |
| DSCR Ratio | 1.12x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 2022
5,575 sqft lot
$N/A/sqft
No 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 2022
5,575 sqft lot
$N/A/sqft
No 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: Daisy Morin • New Home Conexion Realty
Mls Name: LERA MLS
Mls ID: #1939482