Gardiner : 50-3286F.1 Plan, Kinder Ranch : 50'sSan AntonioTX78260
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.87% yield at Gardiner: 50-3286F.1 Plan, Kinder Ranch: 50's, San Antonio, TX, 78260 in San Antonio is solid, but the $3,003/mo payment compresses net cash flow to $185/mo at $667,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $184,528 by year five, and $6,151/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.64) without U.S. income documentation. Total projected return: $267,837.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 5.8% |
| Monthly Cash Flow | $185 | $450 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,934 |
| Total Monthly Debt Service | $4,484 |
| DSCR Ratio | 1.10x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78260, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,827 (100%) |
| Owner Occupied HU | 12,013 (75.9%) |
| Renter Occupied HU | 2,891 (18.3%) |
| Vacant Housing Units | 923 ( 5.8%) |
| Median Home Value | $477,115 |
| Average Home Value | $509,391 |
Housing Distribution
Address Breakdown
Residential
14,830
Single Family
13,560
Multi-Family
1,270
Businesses
194
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 78260, San Antonio, TX area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,827 (100%) |
| Owner Occupied HU | 12,013 (75.9%) |
| Renter Occupied HU | 2,891 (18.3%) |
| Vacant Housing Units | 923 ( 5.8%) |
| Median Home Value | $477,115 |
| Average Home Value | $509,391 |
Housing Distribution
Address Breakdown
Residential
14,830
Single Family
13,560
Multi-Family
1,270
Businesses
194
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jennifer Japhet • Monticello Homes
Mls Name: Monticello Homes
Mls ID: #N/A