315 Coyol St · San Antonio, TX 78237

$31,450

3 bd · 2.0 ba · 1,064 sqft · SingleFamily public records · 20 Days on market

Built 2007 5,967 sqft lot

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Why this score? — see what drove the C- 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 +15.0/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Rent growth +4.0/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0

Listing remarks

This is a fantastic opportunity for someone wanting a great builder lot with sewer and water available. Priced to sell quick. Full 100% fenced lot sitting on approximately . 20 of an acre. Drive by take a look. We are not able to open the house for access.

Key facts

• Fenced lot
• 5,967 sq ft lot
• Built 2007

Tags

• FENCED LOT
• SEWER AND WATER AVAILABLE
• APPROXIMATELY .20 OF AN ACRE

Property features AI

Finance

• HOA & community: Subdivision: Loma Area 1A Ed

Exterior

• Utilities: Water system
• Home design: Pre-owned single-family residence; Approximately 19 years old
• Construction: Wood exterior; Cedar post foundation; Other roof type (see remarks)
• Exterior features: Street is paved

Interior

• Kitchen: Kitchen approximately 10 x 10
• Bedrooms: Master bedroom approximately 10 x 10; Second bedroom approximately 10 x 10
• Flooring: Other flooring (see remarks)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Other heating fuel (see remarks)
• Interior features: One living area

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $31k.

Deal economics

• At list price, monthly cash flow is $950 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $31k).
• Recommended offer: $31k (1.5% below list) — sets the bar for market timing.
• Cap rate 42.5% 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: crime F.
• Edgewood ISD (urban): math 12% / reading 21% proficiency, ranked #812 of 826 in TX (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Loma Park El (math 11% / reading 22%, grade F, #3,946 of 4,322 statewide, top 92%, 586 students, 98% FRL); Gus Garcia Middle (math 13% / reading 20%, grade F, #1,536 of 1,662 statewide, top 93%, 505 students, 96% FRL, charter); Memorial H S (math 22% / reading 29%, grade F, #1,246 of 1,632 statewide, top 77%, 872 students, 92% FRL) — zoned schools average 95% FRL vs 24% district-wide (71 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+6.1%/yr); 140 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 41% of the median local income ($43k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $3k of equity ($218 loan paydown + $3k appreciation (10.0% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 6.1% rent growth), your $9k cash investment doubles in ~1 year — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($31k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major flood risk; major wind risk, 78% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $30,978 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 4.70% ✓
• Cap rate: 42.53%
• Cash-on-cash: 129.43%
• DSCR: 6.76
• GRM: 1.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 6.13% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 10.36×
• Total profit: $82,441
• Equity at exit: $28,333

10-year hold

• IRR: —
• Equity multiple: 24.43×
• Total profit: $206,296
• Equity at exit: $61,100

Cash invested: $8,806 (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 78237

• Home prices YoY: 14.1%
• Rents YoY: 6.1%
• Active inventory: 140
• Price-to-rent: 1.8×

Monthly cashflow live

• Estimated rent: $1,477 medium
• Mortgage (P&I): −$165
• Tax est. 1.5%: −$39 /mo · $472/yr
• Insurance: −$13
• HOA: −$0
• Vacancy / Maint / Mgmt: −$310
• Net cashflow: $950

Break-even live

Break-even rent $275

Max offer price $31,450

Occupancy floor 31%

Sensitivity live

Price	-10% $972	-5% $961	+0% $950	+5% $939	+10% $928
Rent	-10% $833	-5% $891	+0% $950	+5% $1,008	+10% $1,066
Rate	-1.0pp $966	-0.5pp $958	base $950	+0.5pp $942	+1.0pp $933

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: $7,862
• Closing costs: $944
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4767 Lark San Antonio, TX	3.0	1.0	1248	$1,475	$1.18	12d	1	1.03mi
314 Globe Ave San Antonio, TX	3.0	2.0	936	$1,600	$1.71	4d	1	1.09mi
127 Riverdale Dr San Antonio, TX	3.0	1.0	1032	$1,100	$1.07	14d	1	1.28mi

Listing history 15 events

1. 2026-06-21
   days on market $31,450 Active 20 DOM
2. 2026-06-21
   days on market $31,450 Active 19 DOM
3. 2026-06-18
   days on market $31,450 Active 17 DOM
4. 2026-06-17
   days on market $31,450 Active 16 DOM
5. 2026-06-16
   days on market $31,450 Active 15 DOM
6. 2026-06-15
   days on market $31,450 Active 14 DOM
7. 2026-06-13
   days on market $31,450 Active 12 DOM
8. 2026-06-12
   statusdays on market $31,450 Active 11 DOM
9. 2026-06-09
   days on market $31,450 New 8 DOM
10. 2026-06-08
    days on market $31,450 New 7 DOM
11. 2026-06-08
    days on market $31,450 New 6 DOM
12. 2026-06-07
    days on market $31,450 New 5 DOM
13. 2026-06-03
    days on market $31,450 New 2 DOM
14. 2026-06-02
    remarks 256-char remark
15. 2026-06-02
    listed $31,450 New 1 DOM

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

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 73% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 78% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,728
• − Mortgage interest: −$1,762
• − Property taxes: −$472
• − Insurance: −$157
• − Repairs & maintenance: −$1,418
• − Management: −$1,418
• − Depreciation: −$915
• Taxable income: $11,586
• Est. tax owed @ 24.0%: −$2,781
• After-tax cash flow: $8,617/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.

Schools (NCES district)

• District: Edgewood ISD
• NCES district ID: 4818150
• Math proficiency: 12% ▼ -18.00%
• Reading proficiency: 21% ▼ -5.00%
• Median HH income: $27,419
• Composite: 12.82/100
• National rank: #9597
• State rank: #812 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

• Census place: San Antonio, TX
• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 37,379
• Household income: $42,772
• Rent vs Own: 38.7% rent · 61.3% own
• Severe rent burden: 1185.0

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 (95%)
• Race & ethnicity: Hispanic / Latino 95% Two or more races 50% White 3% Native American 2% Black 2%
• Hispanic origin (detail): Mexican 84%
• Foreign-born: 18% · Canada
• Languages at home: 34% English-only · Spanish 66%

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: ▲ 30.52%
• Current HPI: 247.7257
• Rent YoY: ▲ 6.13%
• Metro: San Antonio-New Braunfels, TX
• 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

-70.7% since first listed

4 events — show timeline

• 2026-06-01 Listed $31,450 LERA
• 2026-04-10 Sold (Public Records) $107,209 Public Records
• 2021-09-22 Sold (Public Records) — Public Records
• 2005-03-04 Sold (Public Records) — Public Records

Property tax history

+2.4%/yr

Latest (2025): $2,244 · -44.2% YoY. Source: county tax records.