6630 Coquina Cv · San Antonio, TX 78112

$125,999

3 bd · 2.0 ba · 1,033 sqft · SingleFamily · 24 Days on market

Built 2026 Good condition 4,791 sqft lot $122/sqft · 19% below area Est $155k · 19% under $106/mo HOA · 7% of rent ↓ 7% since listing

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +25.8/30.0
• ARV discount +15.0/15.0
• DSCR +8.6/10.0
• 1% rule +7.9/10.0
• Appreciation +4.9/10.0
• Livability +4.0/5.0
• Condition / age +4.0/5.0
• Rent growth +2.5/5.0
• Schools +1.9/10.0

Listing remarks MLS

The Windrow- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in the back of the home, complemented by an en-suite bathroom, walk-in closet and direct access to the backyard space. There are two secondary bedrooms that are both ideal for household members and overnight guests. Estimated Completion June 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

Key facts

• 4,791 sq ft lot
• Community pool
• Built 2026

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $126k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $307 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $126k).
• Recommended offer: $124k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 3.8% in San Antonio — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 80/100 on livability (#31 in TX, #1,616 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools C-, crime F.
• East Central ISD (rural): math 16% / reading 25% proficiency, ranked #758 of 826 in TX (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 442 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).

Forward outlook

• In year one you build about $663 of equity ($871 loan paydown + $-208 appreciation (-0.2% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-0.2% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($124k) is reasonable based on typical stale-listing flexibility.

Recommended offer $124,109 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.29% ✓
• Cap rate: 9.21%
• Cash-on-cash: 10.44%
• DSCR: 1.46
• GRM: 6.5

CMA / ARV

• ARV (median comp): $154,676
• List price: $125,999
• Delta: -18.54%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6821 Chert Chase	0.03mi	3/2.0	1,033 (0%)	3mo	$136,999	$133	96
6845 Chert Chase	0.06mi	3/2.0	1,033 (0%)	2mo	$136,999	$133	95
6857 Chert Chase	0.08mi	3/2.0	1,033 (0%)	2mo	$136,999	$133	94
6933 Biotite Rdg	0.31mi	3/2.0	1,129 (+9%)	20mo	$174,999	$155	54
6918 Biotite Rdg	0.33mi	3/2.0	1,129 (+9%)	21mo	$167,999	$149	52
6942 Biotite Rdg	0.34mi	3/2.0	1,129 (+9%)	22mo	$173,999	$154	50
6958 Biotite Rdg	0.35mi	3/2.0	1,129 (+9%)	23mo	$178,999	$159	49

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-0.17% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.0%
• Equity multiple: 1.42×
• Total profit: $14,969
• Equity at exit: $35,549

10-year hold

• IRR: 14.2%
• Equity multiple: 2.53×
• Total profit: $53,997
• Equity at exit: $41,912

Cash invested: $35,280 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Texas: 87 Strongly Landlord-Friendly · R+5
• County: — inherits STATE
• City: — inherits STATE

3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Methodology + full state rankings →

ZIP-level market 78112

• Home prices YoY: -0.1%
• Active inventory: 442
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,625 medium
• Mortgage (P&I): −$661
• Tax est. 1.5%: −$157 /mo · $1,890/yr
• Insurance: −$52
• HOA: −$106
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $307

Break-even live

Break-even rent $1,236

Max offer price $125,999

Occupancy floor 76%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $31,500
• Closing costs: $3,780
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6933 Biotite Rdg San Antonio, TX	3.0	2.0	1125	$1,650	$1.47	10d	1	0.33mi
6948 Calcite Trl San Antonio, TX	3.0	2.0	1440	$1,600	$1.11	2d	1	0.34mi
7663 Stud Dr Elmendorf, TX	3.0	2.0	1233	$1,600	$1.30	2d	1	1.15mi

HOA detail

• Monthly dues: $106 · $1,272/yr

Listing history 5 events

1. 2026-05-11
   status Pending 615-char remark

   Show marketing remark (615 chars)

   The Windrow- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in the back of the home, complemented by an en-suite bathroom, walk-in closet and direct access to the backyard space. There are two secondary bedrooms that are both ideal for household members and overnight guests. Estimated Completion June 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

2. 2026-04-30
   price $125,999 615-char remark

   Show marketing remark (615 chars)

   The Windrow- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in the back of the home, complemented by an en-suite bathroom, walk-in closet and direct access to the backyard space. There are two secondary bedrooms that are both ideal for household members and overnight guests. Estimated Completion June 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

3. 2026-04-28
   price $131,999 615-char remark

   Show marketing remark (615 chars)

   The Windrow- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in the back of the home, complemented by an en-suite bathroom, walk-in closet and direct access to the backyard space. There are two secondary bedrooms that are both ideal for household members and overnight guests. Estimated Completion June 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

4. 2026-04-22
   price $133,999 615-char remark

   Show marketing remark (615 chars)

   The Windrow- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in the back of the home, complemented by an en-suite bathroom, walk-in closet and direct access to the backyard space. There are two secondary bedrooms that are both ideal for household members and overnight guests. Estimated Completion June 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

5. 2026-04-17
   listed $135,999 New 615-char remark

   Show marketing remark (615 chars)

   The Windrow- This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in the back of the home, complemented by an en-suite bathroom, walk-in closet and direct access to the backyard space. There are two secondary bedrooms that are both ideal for household members and overnight guests. Estimated Completion June 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $19,497
• − Mortgage interest: −$7,058
• − Property taxes: −$1,890
• − Insurance: −$630
• − Repairs & maintenance: −$1,560
• − Management: −$1,560
• − HOA: −$1,272
• − Depreciation: −$3,665
• Taxable income: $1,862
• Est. tax owed @ 24.0%: −$447
• After-tax cash flow: $3,235/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 None rehab

This single-family home is in good condition with no visible repairs needed. It has a spacious open floorplan and modern finishes, making it an attractive option for both buyers and renters. Potential value-adding updates include painting the exterior siding, updating the kitchen appliances, and upgrading the HVAC system.

Value-add opportunities

• Resale Painting the exterior siding — Fresh paint can enhance the curb appeal and make the home look more inviting.
• Resale Landscaping improvements — Well-maintained landscaping can increase the home's curb appeal and property value.
• Resale Updating the kitchen appliances — Modern appliances can make the kitchen more functional and appealing to potential buyers.
• Resale Upgrading the flooring — Upgrading the flooring can make the home more appealing and increase its value.
• Resale Updating the bathrooms — Modernizing the bathrooms can make the home more appealing and increase its value.
• Both Upgrading the HVAC system — A new HVAC system can improve energy efficiency and comfort, making the home more attractive to both buyers and renters.
• Rental Landscaping improvements — Well-maintained landscaping can attract more renters and increase rental income.
• Rental Upgrading the kitchen appliances — Modern appliances can make the kitchen more functional and appealing to potential renters.
• Rental Upgrading the flooring — Upgrading the flooring can make the home more appealing and increase its rental value.
• Rental Updating the bathrooms — Modernizing the bathrooms can make the home more appealing and increase its rental value.
• Both Upgrading the HVAC system — A new HVAC system can improve energy efficiency and comfort, making the home more attractive to both buyers and renters.

Renovation cost estimate screening

Value-add ROI direction

• Resale Painting the exterior siding — Fresh paint can enhance the curb appeal and make the home look more inviting. ↑
• Resale Landscaping improvements — Well-maintained landscaping can increase the home's curb appeal and property value. ↑
• Resale Updating the kitchen appliances — Modern appliances can make the kitchen more functional and appealing to potential buyers. ↑
• Resale Upgrading the flooring — Upgrading the flooring can make the home more appealing and increase its value. ↑
• Resale Updating the bathrooms — Modernizing the bathrooms can make the home more appealing and increase its value. ↑
• Both Upgrading the HVAC system — A new HVAC system can improve energy efficiency and comfort, making the home more attractive to both buyers and renters. ↑
• Rental Landscaping improvements — Well-maintained landscaping can attract more renters and increase rental income. ↑
• Rental Upgrading the kitchen appliances — Modern appliances can make the kitchen more functional and appealing to potential renters. ↑
• Rental Upgrading the flooring — Upgrading the flooring can make the home more appealing and increase its rental value. ↑
• Rental Updating the bathrooms — Modernizing the bathrooms can make the home more appealing and increase its rental value. ↑
• Both Upgrading the HVAC system — A new HVAC system can improve energy efficiency and comfort, making the home more attractive to both buyers and renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: East Central ISD
• NCES district ID: 4817850
• Math proficiency: 16% ▼ -12.00%
• Reading proficiency: 25% ▼ -6.00%
• Median HH income: $53,941
• Composite: 18.67/100
• National rank: #8887
• State rank: #758 of 826 in TX

Livability — San Antonio

• Score: 80/100
• State rank: #31
• US rank: #1616

Category grades

Amenities A+ Commute A+ Cost of living A+ Crime F Employment C Housing A+ Health & safety A+ User ratings D

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 1,806,925
• Population (ZIP): 9,959

Population outlook (Bexar County) Hauer SSP2

• Today (2025): 2,336,851 people
• By 2030: 2,560,728 · +9.6%
• By 2040: 3,020,569 · +29.3%
• By 2050: 3,493,522 · +49.5%
• By 2075: 4,668,459 · +99.8%
• By 2100: 5,533,242 · +136.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (72%)
• Race & ethnicity: Hispanic / Latino 72% Two or more races 39% White 24% Asian 1%
• Hispanic origin (detail): Mexican 64%
• Common ancestry: Lithuanian 1%
• Foreign-born: 14% · Canada
• Languages at home: 57% English-only · Spanish 42% Tagalog/Filipino 1%

Political lean MEDSL · Bexar

• 2024 margin: Lean D (+9.8) · D 54.3% · R 44.6% · Other 1.1%
• 2008→2024 swing: +4.2pp toward D · 2008: 5.6pp · 2024: 9.8pp
• All cycles: 2024: D+9.8 2020: D+18.2 2016: D+13.5 2012: D+4.6 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.17%
• Current HPI: 276.3302
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

Industry mix (Fortune 500 HQ in TX)

Industry	F500 HQs	Revenue
▸Energy	16	$1,198B
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

-7.4% since first listed

5 events — show timeline

• 2026-05-11 Pending — LERA
• 2026-04-30 Price Changed $125,999 LERA
• 2026-04-28 Price Changed $131,999 LERA
• 2026-04-22 Price Changed $133,999 LERA
• 2026-04-17 Listed $135,999 LERA