15416 Bonito Loop · San Antonio, TX 78253

$241,227

3 bd · 2.5 ba · 1,676 sqft · SingleFamily · 48 Days on market

Built 2026 $144/sqft · 12% below area Est $274k · 12% under $33/mo HOA · 2% of rent ↓ 4% since listing

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Why this score? — see what drove the D- 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 +13.0/15.0
• Cash flow +8.0/30.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• 1% rule +2.6/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• DSCR +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Step into comfort and style in this thoughtfully designed, two-story home, which showcases a Carrara-style entry door. Inside, discover an open floor plan with 9-ft. first-floor ceilings, durable luxury vinyl plank flooring and modern finishes throughout. The kitchen boasts Whirlpool® stainless steel appliances, Woodmont® Belmont 42-in. upper cabinets, granite countertops, Daltile® tile backsplash and an extended breakfast bar. Upstairs, the primary suite features Shaw® carpeting and a connecting bath that offers an extended cabinet, raised vanity and 42-in. garden tub/shower combination with Daltile tile surround. Additional highlights include Kwikset® Polo interior door hardware and 2-in. faux-wood blinds. Outdoors, a rear patio provides space for relaxing and entertaining. A sprinkler system keeps the fully sodded yard pristine. See sales counselor for approximate timing required for move-in ready homes.

Key facts

• Extended cabinet
• Granite countertops
• Garden tub shower

Tags

• GRANITE COUNTERTOPS
• DALTILE TILE BACKSPLASH
• EXTENDED BREAKFAST BAR
• GARDEN TUB SHOWER
• DALTILE TILE SURROUND
• EXTENDED CABINET

Property features AI

Finance

• Other: Subdivision: Preserve at Culebra
• HOA & community: Mandatory HOA; Annual HOA fee of $400; Association transfer fee of $200

Exterior

• Parking: 1-car garage
• Utilities: Public water; Public sewer; Electric service
• Home design: New construction by KB Home
• Construction: Slab foundation; Composition roof
• Exterior features: Cement fiber exterior; Community pool; Park/playground

Interior

• Kitchen: Kitchen approximately 8 x 6
• Bedrooms: Primary bedroom on upper level (13 x 13); Bedroom 2 (10 x 10); Bedroom 3 (10 x 10)
• Flooring: Carpeting; Other (see remarks)
• Bathrooms: Two full bathrooms and one half bathroom; Primary bathroom with tub/shower combination (6 x 8)
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Washer and dryer connections; Energy Star Certified
• Laundry & utility: Washer and dryer connections

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $241k.

Deal economics

• At list price, monthly cash flow is $-247 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $205k (14.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $184k (23.8% below list).
• Recommended offer: $184k (23.8% below list) — sets the bar for 1% rule.
• Cap rate 5.1% 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.
• Medina Valley ISD (rural): math 48% / reading 53% proficiency, ranked #148 of 826 in TX (top 18%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Potranco El (math 50% / reading 51%, grade D+, #833 of 4,322 statewide, top 20%, 847 students, 47% FRL); Medina Valley H S (math 34% / reading 55%, grade F, #652 of 1,632 statewide, top 43%, 2,147 students, 51% FRL) — zoned schools at 49% FRL track the district average.
• Market conditions: Rents soft (-1.1%/yr); 697 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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 48 days — a 3% lower offer ($234k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $183,895 (23.8% 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 48 days. Have you received any prior offers? Is the seller open to a 24% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.76% ✗
• Cap rate: 5.06%
• Cash-on-cash: -4.39%
• DSCR: 0.80
• GRM: 10.9

CMA / ARV

• ARV (median comp): $274,473
• List price: $241,227
• Delta: -12.11%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15620 Bonito Loop	0.13mi	3/2.0	1,605 (-4%)	2mo	$262,225	$163	84
14718 Grey Egret	0.33mi	3/2.0	1,678 (+0%)	1mo	$270,000	$161	82
14803 Sweet Clover	0.30mi	3/2.0	1,694 (+1%)	5mo	$324,990	$192	78
7513 Corral Smt	0.16mi	3/2.5	1,826 (+9%)	3mo	$279,990	$153	75
14744 Sweet Clover	0.36mi	3/2.5	1,800 (+7%)	4mo	$309,990	$172	68
7806 Rock Wren Fall	0.35mi	3/2.0	1,548 (-8%)	2mo	$269,131	$174	68
7506 Guadalupe Peak	0.38mi	3/2.5	1,848 (+10%)	2mo	$245,000	$133	63
14748 Sweet Clover	0.35mi	4/2.0 (+1)	1,549 (-8%)	2mo	$294,999	$190	62
8026 Kingfisher Lndg	0.46mi	3/2.0	1,548 (-8%)	4mo	$290,466	$188	60
14318 Elkhorn Crst	0.72mi	3/2.5	1,604 (-4%)	1mo	$231,840	$145	58
15227 Rosa Trl	0.67mi	3/2.0	1,590 (-5%)	4mo	$339,950	$214	54
7918 Hanging Br	0.69mi	3/2.0	1,560 (-7%)	4mo	$229,900	$147	51

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -27.2%
• Equity multiple: 0.11×
• Total profit: $-60,181
• Equity at exit: $35,968

10-year hold

• IRR: -41.0%
• Equity multiple: -0.38×
• Total profit: $-93,318
• Equity at exit: $20,857

Cash invested: $67,544 (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 78253

• Home prices YoY: -33.4%
• Rents YoY: -1.1%
• Active inventory: 697
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $1,839 high
• Mortgage (P&I): −$1,265
• Tax est. 1.5%: −$302 /mo · $3,618/yr
• Insurance: −$101
• HOA: −$33
• Vacancy / Maint / Mgmt: −$386
• Net cashflow: $-247

Break-even live

Break-even rent $2,152

Max offer price $205,443

Occupancy floor —

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: $60,307
• Closing costs: $7,237
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7510 Fishbowl Ln San Antonio, TX	4.0	2.5	1650	$1,950	$1.18	23d	1	0.05mi
7530 Fishbowl Ln San Antonio, TX	4.0	2.5	1650	$1,950	$1.18	23d	1	0.08mi
15620 Bonito Loop San Antonio, TX	3.0	2.0	1605	$1,685	$1.05	4d	1	0.13mi
7439 Corral Smt San Antonio, TX	3.0	2.0	1662	$1,745	$1.05	43d	1	0.14mi
7410 Boa Holw San Antonio, TX	3.0	2.0	1536	$1,789	$1.16	14d	1	0.34mi
7518 Boa Holw San Antonio, TX	3.0	2.0	1412	$1,795	$1.27	23d	1	0.34mi
7435 Guadalupe Peak San Antonio, TX	3.0	2.0	1402	$1,769	$1.26	43d	1	0.36mi
15900 La Cantera Pkwy San Antonio, TX	2.0	2.0	1177	$1,542	$1.31	43d	1	0.36mi
7806 Rock Wren Fall San Antonio, TX	3.0	2.0	1548	$1,625	$1.05	4d	1	0.36mi
7535 Guadalupe Peak San Antonio, TX	3.0	2.5	1485	$1,450	$0.98	4d	1	0.36mi
14755 Maple Ter San Antonio, TX	3.0	2.5	1484	$1,750	$1.18	16d	1	0.48mi
14523 Bonito Loop San Antonio, TX	3.0	2.0	1604	$1,700	$1.06	17d	1	0.51mi
14511 Gecko Lndg San Antonio, TX	3.0	2.0	1601	$1,995	$1.25	2d	1	0.52mi
14511 Gecko Lndg San Antonio, TX	3.0	2.0	1601	$1,895	$1.18	12d	1	0.52mi
14685 Maple Ter San Antonio, TX	3.0	2.5	1605	$1,799	$1.12	43d	1	0.59mi
14374 Palm Rdg San Antonio, TX	3.0	2.0	1405	$1,750	$1.25	23d	1	0.61mi
14477 Gunsight Pass San Antonio, TX	3.0	2.5	1851	$1,950	$1.05	14d	1	0.61mi
14644 Maple Ter San Antonio, TX	3.0	2.5	1826	$1,799	$0.99	43d	1	0.65mi
14338 Palm Rdg San Antonio, TX	3.0	2.5	1826	$1,779	$0.97	43d	1	0.67mi
15321 Sherwin Oak San Antonio, TX	3.0	2.5	1773	$1,700	$0.96	43d	1	0.68mi
14319 Palm Rdg San Antonio, TX	3.0	2.0	1412	$1,769	$1.25	14d	1	0.71mi
7915 Bonsai Bay San Antonio, TX	3.0	2.5	2088	$1,795	$0.86	43d	1	0.72mi
14303 Palm Rdg Unit 3294 San Antonio, TX	3.0	2.0	1412	$1,711	$1.21	3d	1	0.74mi
7438 Asp Pt San Antonio, TX	3.0	2.0	1412	$1,749	$1.24	14d	1	0.76mi
14371 Gunsight Pass San Antonio, TX	3.0	2.0	1662	$1,769	$1.06	43d	1	0.76mi
14367 Gunsight Pass San Antonio, TX	3.0	2.0	1402	$1,689	$1.20	23d	1	0.77mi
14311 Gila Xing San Antonio, TX	4.0	3.0	1912	$1,850	$0.97	23d	1	0.78mi
14347 Gunsight Pass San Antonio, TX	3.0	2.5	1826	$1,789	$0.98	43d	1	0.80mi
14339 Gunsight Pass San Antonio, TX	4.0	3.0	1912	$2,099	$1.10	23d	1	0.81mi
7810 Asp Pt San Antonio, TX	4.0	3.0	1912	$1,900	$0.99	4d	1	0.84mi
15223 Liberty Sta San Antonio, TX	3.0	2.0	1549	$1,795	$1.16	20d	1	0.85mi
15223 Liberty Sta San Antonio, TX	3.0	2.0	1549	$1,850	$1.19	43d	1	0.85mi
14303 Gunsight Pass San Antonio, TX	3.0	2.0	1587	$1,850	$1.17	43d	1	0.87mi
14303 Gunsight Pass San Antonio, TX	3.0	2.0	1587	$1,750	$1.10	23d	1	0.87mi
15035 Homing Mdw San Antonio, TX	4.0	2.5	1745	$1,850	$1.06	23d	1	1.18mi
14034 Old Farm to Market 471 W San Antonio, TX	1.0–3.0	1.0–2.0	965	$2,006	$2.08	1d	9	1.23mi
7003 Anacua Crk San Antonio, TX	3.0–4.0	2.0–3.0	1902	$1,698	$0.89	3d	8	1.37mi

HOA detail

• Monthly dues: $33 · $396/yr
• Likely covers: pool

Listing history 15 events

1. 2026-06-18
   days on market $241,227 Active 48 DOM
2. 2026-06-17
   days on market $241,227 Active 47 DOM
3. 2026-06-16
   days on market $241,227 Active 46 DOM
4. 2026-06-15
   days on market $241,227 Active 45 DOM
5. 2026-06-13
   days on market $241,227 Active 43 DOM
6. 2026-06-09
   days on market $241,227 Active 39 DOM
7. 2026-06-08
   days on market $241,227 Active 38 DOM
8. 2026-06-07
   days on market $241,227 Active 37 DOM
9. 2026-06-04
   days on market $241,227 Active 34 DOM
10. 2026-06-03
    days on market $241,227 Active 33 DOM
11. 2026-06-02
    statusdays on market $241,227 Active 32 DOM
12. 2026-06-01
    days on market $241,227 Price Change 31 DOM
13. 2026-05-31
    days on market $241,227 Price Change 30 DOM
14. 2026-05-05
    listed $251,227 Active 940-char remark

    Show marketing remark (940 chars)

    Step into comfort and style in this thoughtfully designed, two-story home, which showcases a Carrara-style entry door. Inside, discover an open floor plan with 9-ft. first-floor ceilings, durable luxury vinyl plank flooring and modern finishes throughout. The kitchen boasts Whirlpool® stainless steel appliances, Woodmont® Belmont 42-in. upper cabinets, granite countertops, Daltile® tile backsplash and an extended breakfast bar. Upstairs, the primary suite features Shaw® carpeting and a connecting bath that offers an extended cabinet, raised vanity and 42-in. garden tub/shower combination with Daltile tile surround. Additional highlights include Kwikset® Polo interior door hardware and 2-in. faux-wood blinds. Outdoors, a rear patio provides space for relaxing and entertaining. A sprinkler system keeps the fully sodded yard pristine. See sales counselor for approximate timing required for move-in ready homes.

15. 2026-05-01
    listed $251,227 New 726-char remark

ⓘ 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 ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,067
• − Mortgage interest: −$13,512
• − Property taxes: −$3,618
• − Insurance: −$1,206
• − Repairs & maintenance: −$1,765
• − Management: −$1,765
• − HOA: −$396
• − Depreciation: −$7,018
• Taxable loss: −$7,214
• Est. tax savings @ 24.0%: +$1,731
• After-tax cash flow: $-1,236/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: Medina Valley ISD
• NCES district ID: 4830060
• Math proficiency: 48% ▼ -9.00%
• Reading proficiency: 53% ▼ -2.00%
• Median HH income: $60,596
• Composite: 44.2/100
• National rank: #2851
• State rank: #148 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

• County: Bexar County · 1,990,555 people
• City population: 1,806,925
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 69,282
• Household income: $106,373
• Rent vs Own: 23.0% rent · 77.0% own
• Severe rent burden: 1496.0

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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: Hispanic / Latino 47% White 34% Two or more races 27% Black 9% Asian 4% Native American 2%
• Hispanic origin (detail): Mexican 38% Puerto Rican 3%
• Common ancestry: Italian 2% Lithuanian 1% Romanian 1%
• Foreign-born: 9% · Canada
• Languages at home: 73% English-only · Spanish 22% Other Asian/Pacific 1% 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: ▼ -99.92%
• Current HPI: 199.1827
• Rent YoY: ▼ -1.10%
• 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

-4.0% since first listed

4 events — show timeline

• 2026-05-23 Price Changed $241,227 LERA
• 2026-05-20 Price Changed $241,227 Zillow
• 2026-05-05 Listed $251,227 Zillow
• 2026-05-01 Listed $251,227 LERA