3942 SpearSan AntonioTX78237
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 3942 Spear, San Antonio, TX, 78237 in San Antonio: $1,333/mo in rent, $359/mo in net income, 11.68% gross yield, 2.16 DSCR, all at $137,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $37,851 in appreciation and $1,262/yr in principal paydown projects total cumulative return of $75,635.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 5.8% |
| Monthly Cash Flow | $359 | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,333 |
| Total Monthly Debt Service | $920 |
| DSCR Ratio | 1.45x |
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 1972
8,015 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78237, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,307 (100%) |
| Owner Occupied HU | 6,928 (56.3%) |
| Renter Occupied HU | 4,413 (35.9%) |
| Vacant Housing Units | 966 ( 7.8%) |
| Median Home Value | $107,732 |
| Average Home Value | $151,675 |
Housing Distribution
Address Breakdown
Residential
12,219
Single Family
10,952
Multi-Family
1,267
Businesses
811
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 1972
8,015 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78237, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,307 (100%) |
| Owner Occupied HU | 6,928 (56.3%) |
| Renter Occupied HU | 4,413 (35.9%) |
| Vacant Housing Units | 966 ( 7.8%) |
| Median Home Value | $107,732 |
| Average Home Value | $151,675 |
Housing Distribution
Address Breakdown
Residential
12,219
Single Family
10,952
Multi-Family
1,267
Businesses
811
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: LERA MLS
Mls ID: #1949441