Lynn II Plan · San Antonio, TX 78263

$314,990

5 bd · 3.0 ba · 2,242 sqft · SingleFamily · 88 Days on market

Good condition Garage $40/mo HOA · 2% of rent

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Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Cash flow +4.4/30.0
• Livability +4.0/5.0
• Condition / age +4.0/5.0
• Rent growth +2.5/5.0
• Schools +2.0/10.0
• 1% rule +0.6/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks

None

Key facts

• 2 garage spots
• Listed 87 days

🏗️ New construction. The $314,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $473,754.

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $315k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-1k ($-15k/yr) — negative.
• To cash-flow at today's rent, offer at most $295k (6.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $263k (16.4% below list).
• Recommended offer: $263k (16.4% below list) — sets the bar for 1% rule.

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.
• 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.
• Zoned schools: Sinclair El (math 13% / reading 20%, grade F, #3,946 of 4,322 statewide, top 92%, 721 students, 71% FRL); East Central Heritage Middle (math 11% / reading 26%, grade F, #1,478 of 1,662 statewide, top 90%, 1,120 students, 44% FRL); East Central H S (math 21% / reading 28%, grade F, #1,264 of 1,632 statewide, top 82%, 3,252 students, 52% FRL).
• Market conditions: 367 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 39% of the median local income ($82k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $14k of value loss. Plan a longer hold.
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 88 days — a 6% lower offer ($296k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $263,377 (16.4% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 88 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.56% ✗
• Cap rate: 3.17%
• Cash-on-cash: -11.16%
• DSCR: 0.50
• GRM: 15.0

CMA / ARV

• ARV (median comp): $473,754
• List price: $314,990
• Delta: -33.51%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8408 Ingress Ave	0.07mi	4/2.5 (-1)	2,192 (-2%)	4mo	$304,990	$139	82
4727 Fireweed Ct	0.10mi	4/2.5 (-1)	2,192 (-2%)	5mo	$304,990	$139	81
4707 Kinsley Way	0.05mi	4/2.5 (-1)	2,192 (-2%)	8mo	$314,990	$144	80
4947 Hawkwell Ln	0.15mi	4/2.5 (-1)	2,198 (-2%)	5mo	$325,740	$148	78
8307 Ingress Ave	0.06mi	4/2.5 (-1)	2,192 (-2%)	10mo	$271,100	$124	78
8302 Ingress	0.18mi	4/2.5 (-1)	2,334 (+4%)	1mo	$384,990	$165	77
5030 Hastings Way	0.11mi	4/2.5 (-1)	2,334 (+4%)	5mo	$326,525	$140	76
4940 Hawkwell Ln	0.14mi	4/2.5 (-1)	2,334 (+4%)	5mo	$334,524	$143	75
4948 Hawkwell Ln	0.15mi	4/2.5 (-1)	2,334 (+4%)	9mo	$338,820	$145	72
8429 Rocket Vw	0.27mi	4/3.0 (-1)	2,013 (-10%)	0mo	$349,990	$174	65
5011 Bonniecrest	0.73mi	4/2.5 (-1)	2,125 (-5%)	10mo	$475,000	$224	41

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

Projected returns pro-forma

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

5-year hold

• IRR: -36.6%
• Equity multiple: -0.17×
• Total profit: $-155,255
• Equity at exit: $70,638

10-year hold

• IRR: -51.5%
• Equity multiple: -0.78×
• Total profit: $-236,080
• Equity at exit: $40,962

Cash invested: $132,651 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 50 active · 8 under contract
• Months of supply: 33.3 mo (3%/mo absorbed)
• Median asking: $349,990 ($159/sqft)
• Median days on market: 97 d
• This list price: 8% of active listings are priced below it
• ARV vs active asking: +33.1% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 78263

• Home prices YoY: -8.1%
• Active inventory: 367
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $2,634 medium
• Mortgage (P&I): −$2,484
• Tax est. 1.5%: −$592 /mo · $7,106/yr
• Insurance: −$197
• HOA: −$40
• Vacancy / Maint / Mgmt: −$553
• Net cashflow: $-1,233

Break-even live

Break-even rent $4,195

Max offer price $295,289

Occupancy floor —

Sensitivity live

Price	-10% $-906	-5% $-1,070	+0% $-1,233	+5% $-1,397	+10% $-1,561
Rent	-10% $-1,441	-5% $-1,337	+0% $-1,233	+5% $-1,129	+10% $-1,025
Rate	-1.0pp $-995	-0.5pp $-1,113	base $-1,233	+0.5pp $-1,356	+1.0pp $-1,481

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: $118,438
• Closing costs: $14,213
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5330 Kody Crk San Antonio, TX	4.0	2.5	2251	$2,695	$1.20	9d	1	0.91mi
2723 Triple Tree Dr China Grove, TX	4.0	2.0	1672	$2,500	$1.50	9d	1	1.49mi

Property features AI

Finance

• Other: Address: 8520 Ingress Ave, San Antonio TX 78263List price 314990Status: Active
• HOA & community: Monthly association fee of 40

Exterior

• Parking: 2 garage spaces2 total parking spaces
• Home design: New construction plan named Lynn IIPlan inventory type

Interior

• Bedrooms: 5 bedrooms
• Bathrooms: 3 full bathrooms
• Interior features: Living area of 2242 (listed)

Listing history 50 events

1. 2026-08-08
   days on market $314,990 Active 88 DOM
2. 2026-08-06
   days on market $314,990 Active 86 DOM
3. 2026-08-05
   days on market $314,990 Active 85 DOM
4. 2026-08-04
   days on market $314,990 Active 84 DOM
5. 2026-08-03
   days on market $314,990 Active 83 DOM
6. 2026-07-31
   days on market $314,990 Active 80 DOM
7. 2026-07-30
   days on market $314,990 Active 78 DOM
8. 2026-07-28
   days on market $314,990 Active 77 DOM
9. 2026-07-26
   days on market $314,990 Active 75 DOM
10. 2026-07-24
    days on market $314,990 Active 73 DOM
11. 2026-07-23
    days on market $314,990 Active 72 DOM
12. 2026-07-22
    days on market $314,990 Active 71 DOM
13. 2026-07-21
    days on market $314,990 Active 70 DOM
14. 2026-07-20
    days on market $314,990 Active 69 DOM
15. 2026-07-18
    days on market $314,990 Active 67 DOM
16. 2026-07-18
    days on market $314,990 Active 66 DOM
17. 2026-07-16
    days on market $314,990 Active 65 DOM
18. 2026-07-15
    days on market $314,990 Active 64 DOM
19. 2026-07-14
    days on market $314,990 Active 63 DOM
20. 2026-07-13
    days on market $314,990 Active 62 DOM
21. 2026-07-13
    days on market $314,990 Active 61 DOM
22. 2026-07-11
    days on market $314,990 Active 60 DOM
23. 2026-07-10
    days on market $314,990 Active 59 DOM
24. 2026-07-09
    days on market $314,990 Active 58 DOM
25. 2026-07-07
    days on market $314,990 Active 56 DOM
26. 2026-07-06
    days on market $314,990 Active 55 DOM
27. 2026-07-05
    days on market $314,990 Active 54 DOM
28. 2026-07-03
    days on market $314,990 Active 52 DOM
29. 2026-07-02
    days on market $314,990 Active 51 DOM
30. 2026-07-01
    days on market $314,990 Active 50 DOM
31. 2026-06-30
    days on market $314,990 Active 49 DOM
32. 2026-06-29
    days on market $314,990 Active 48 DOM
33. 2026-06-28
    days on market $314,990 Active 47 DOM
34. 2026-06-27
    days on market $314,990 Active 46 DOM
35. 2026-06-26
    days on market $314,990 Active 45 DOM
36. 2026-06-24
    days on market $314,990 Active 43 DOM
37. 2026-06-22
    days on market $314,990 Active 41 DOM
38. 2026-06-21
    days on market $314,990 Active 40 DOM
39. 2026-06-18
    days on market $314,990 Active 37 DOM
40. 2026-06-17
    days on market $314,990 Active 36 DOM
41. 2026-06-16
    days on market $314,990 Active 35 DOM
42. 2026-06-15
    days on market $314,990 Active 34 DOM
43. 2026-06-13
    days on market $314,990 Active 32 DOM
44. 2026-06-09
    days on market $314,990 Active 28 DOM
45. 2026-06-08
    days on market $314,990 Active 27 DOM
46. 2026-06-07
    days on market $314,990 Active 26 DOM
47. 2026-06-04
    days on market $314,990 Active 23 DOM
48. 2026-06-03
    days on market $314,990 Active 22 DOM
49. 2026-06-02
    days on market $314,990 Active 21 DOM
50. 2026-06-01
    days on market $314,990 Active 20 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 24 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,605
• − Mortgage interest: −$26,538
• − Property taxes: −$7,106
• − Insurance: −$2,369
• − Repairs & maintenance: −$2,528
• − Management: −$2,528
• − HOA: −$480
• − Depreciation: −$13,782
• Taxable loss: −$23,726
• Est. tax savings @ 24.0%: +$5,694
• After-tax cash flow: $-9,106/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 · 6 photos

Good 80/100 Cosmetic rehab Est. rehab $11,210–$33,630 screening

This home is in good condition with a good exterior and interior. It has a good roof and flooring, and the systems appear to be in good condition. The home is move-in ready with minor maintenance items to address.

Value-add opportunities

• Both Paint exterior siding — Fresh paint can enhance curb appeal and property value. ↑
• Both Replace or clean gutters — Clean gutters improve drainage and prevent water damage, enhancing property value and reducing maintenance costs. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 20/100

Zoned Schools

Elementary Sinclair El F TX #3,946/4,322 Nat'l #35,887/41,679 Middle East Central Heritage Middle F TX #1,478/1,662 Nat'l #12,017/14,009 High East Central H S F TX #1,264/1,632 Nat'l #12,478/17,239

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

A Composite livability gradescore 80/100

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

• County: Bexar · 2,336,851 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 4,514
• Household income: $81,793
• Rent vs Own: 20.9% rent · 79.1% own

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: Hispanic / Latino 45% White 43% Two or more races 24% Black 10%
• Hispanic origin (detail): Mexican 35% Puerto Rican 2% Dominican 2%
• Common ancestry: Romanian 9% Iranian 1% Scotch-Irish 1%
• Foreign-born: 10% · Canada, Dominican Republic
• Languages at home: 71% English-only · Spanish 29%

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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: ▼ -28.29%
• Current HPI: 322.4738
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

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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

Property features AI

Finance

• Other: Address: 8520 Ingress Ave, San Antonio TX 78263List price 314990Status: Active
• HOA & community: Monthly association fee of 40

Exterior

• Parking: 2 garage spaces2 total parking spaces
• Home design: New construction plan named Lynn IIPlan inventory type

Interior

• Bedrooms: 5 bedrooms
• Bathrooms: 3 full bathrooms
• Interior features: Living area of 2242 (listed)