3719 W Travis St · San Antonio, TX 78207

$99,000

3 bd · 1.0 ba · 1,438 sqft · SingleFamily public records · 89 Days on market

Built 1949 8,001 sqft lot $69/sqft · 37% below area Est $156k · 37% under ↓ 6% since listing

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Why this score? — see what drove the A 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 +28.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• Appreciation +10.0/10.0
• DSCR +9.9/10.0
• Rent growth +4.4/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Schools +1.4/10.0

Listing remarks MLS

Over 1400 Sq Ft home in a quite neighborhood with very friendly neighbors. This home will need repairs and is priced as such. This home is huge and will make a very nice investment This home is less than 5 minutes from Our Lady Of The Lake University and less than 10 minutes to Downtown. The owners are occupying so please do not disturb.

Key facts

• 8,001 sq ft lot
• Built 1949
• Listed 88 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $-119 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $78k (21.3% below list).
• Meets the 1% rule at list price ($1k rent vs $99k).
• Recommended offer: $78k (21.3% below list) — sets the bar for cash-flow.
• Cap rate 10.0% 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.
• San Antonio ISD (urban): math 12% / reading 22% proficiency, ranked #805 of 826 in TX (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+7.7%/yr); 154 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 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).
• At $1,485/mo this rent would consume 55% of the median local household income ($32k/yr) (locally 2789% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $11k of equity ($684 loan paydown + $10k appreciation (10.0% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 4, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 89 days — a 6% lower offer ($93k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 3.7% of price; flood insurance adds $427/mo; built in 1949 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); major wind risk, 77% 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 $77,944 (21.3% 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 89 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
3. Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
5. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. 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?
9. 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.
10. 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.
11. 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: 1.50% ✓
• Cap rate: 10.02%
• Cash-on-cash: 13.31%
• DSCR: 1.59
• GRM: 5.6

CMA / ARV

• ARV (median comp): $156,320
• List price: $99,000
• Delta: -36.67%
• 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
3714 Martin	0.28mi	3/1.0	1,404 (-2%)	8mo	$89,900	$64	77
2115 Leal	0.40mi	3/1.0	1,472 (+2%)	11mo	$100,000	$68	68
3402 W Travis	0.28mi	3/2.0	1,309 (-9%)	7mo	$149,999	$115	62
3023 W Travis	0.62mi	3/2.0	1,476 (+3%)	3mo	$199,900	$135	60
3927 W Travis St	0.17mi	3/2.0	1,632 (+14%)	7mo	$105,000	$64	59
3718 W Martin St	0.26mi	3/2.0	1,236 (-14%)	2mo	$90,000	$73	58
1423 Delgado St	0.73mi	3/2.0	1,404 (-2%)	7mo	$210,000	$150	52
923 N Hamilton	0.67mi	3/2.0	1,472 (+2%)	13mo	$109,700	$75	50
2511 Ruiz	0.47mi	3/2.0	1,304 (-9%)	12mo	$245,000	$188	49
3523 W Martin	0.45mi	3/2.0	1,232 (-14%)	8mo	$85,000	$69	44
1806 Delgado St	0.57mi	3/1.0	1,224 (-15%)	9mo	$115,000	$94	42
3011 W Cesar E Chavez	0.66mi	4/3.0 (+1)	1,262 (-12%)	6mo	$149,900	$119	31

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

Projected returns pro-forma

10.0% appreciation · 7.73% rent growth · sell at horizon

5-year hold

• IRR: 23.6%
• Equity multiple: 2.95×
• Total profit: $54,125
• Equity at exit: $89,187

10-year hold

• IRR: 23.3%
• Equity multiple: 7.65×
• Total profit: $184,293
• Equity at exit: $192,335

Cash invested: $27,720 (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 78207

• Home prices YoY: 15.2%
• Rents YoY: 7.7%
• Active inventory: 154
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,485 high
• Mortgage (P&I): −$519
• Tax from tax record: −$305 /mo · $3,661/yr
• Insurance: −$41
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$312
• Net cashflow: $-119

Break-even live

Break-even rent $1,635

Max offer price $77,944

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3918 W Martin St San Antonio, TX	3.0	1.0	1200	$1,300	$1.08	23d	1	0.15mi
234 Gould St Unit 102 San Antonio, TX	2.0	1.5	948	$1,195	$1.26	4d	1	0.59mi
2811 Buena Vista St San Antonio, TX	4.0	2.0	1750	$2,350	$1.34	23d	1	0.60mi
3038 W Salinas Unit 101 San Antonio, TX	3.0	2.5	1149	$1,550	$1.35	4d	1	0.66mi
122 Collins Ct San Antonio, TX	2.0	1.0	927	$1,150	$1.24	21d	1	0.68mi
1545 Ruiz St San Antonio, TX	2.0	2.0	1020	$935	$0.92	43d	1	0.78mi
214 Aztec St San Antonio, TX	3.0	2.0	973	$1,275	$1.31	14d	1	0.80mi
1906 Montezuma St San Antonio, TX	2.0	1.5	1790	$1,300	$0.73	43d	1	0.81mi
1230 Rivas St San Antonio, TX	3.0	2.5	1287	$1,999	$1.55	23d	1	0.84mi
1231 Rivas St Unit 102 San Antonio, TX	3.0	2.0	1120	$1,299	$1.16	43d	1	0.86mi
2425 Monterey St San Antonio, TX	3.0	2.0	1416	$2,000	$1.41	43d	1	0.87mi
206 Roberts St Unit 201 San Antonio, TX	3.0	2.0	1100	$1,350	$1.23	23d	1	0.91mi
1823 San Carlos St San Antonio, TX	3.0	2.0	1090	$1,099	$1.01	2d	1	0.99mi
2120 Monterey St Unit 102 San Antonio, TX	2.0	2.0	1220	$1,490	$1.22	43d	1	1.09mi
2120 Monterey St Unit 102 San Antonio, TX	2.0	2.0	1220	$1,450	$1.19	11d	1	1.09mi
709 S Chupaderas St San Antonio, TX	3.0	2.0	1518	$1,345	$0.89	23d	1	1.11mi
2246 W Houston St San Antonio, TX	4.0	3.0	1654	$2,100	$1.27	10d	1	1.17mi
230 Micklejohn St San Antonio, TX	3.0	2.0	1368	$1,595	$1.17	23d	1	1.18mi
230 Micklejohn St San Antonio, TX	3.0	2.0	1368	$1,695	$1.24	43d	1	1.18mi
614 N Sabinas St San Antonio, TX	3.0	2.0	930	$1,249	$1.34	4d	1	1.21mi
1706 Texas Ave San Antonio, TX	2.0	2.0	1204	$1,500	$1.25	43d	1	1.28mi
1706 Texas Ave San Antonio, TX	2.0	2.0	1204	$1,500	$1.25	23d	1	1.28mi
811 Rivas St San Antonio, TX	3.0	2.0	1276	$1,580	$1.24	23d	1	1.32mi
509 S Trinity St San Antonio, TX	3.0	1.0	921	$1,300	$1.41	4d	1	1.34mi
155 S Josephine Tobin Dr San Antonio, TX	3.0	2.5	1782	$1,900	$1.07	21d	1	1.38mi
2148 Texas Ave San Antonio, TX	3.0	1.0	1131	$1,375	$1.22	23d	1	1.40mi
1615 N Navidad St Unit 101 San Antonio, TX	3.0	2.0	1804	$999	$0.55	4d	1	1.43mi
1820 W Houston St San Antonio, TX	3.0	2.0	1132	$2,300	$2.03	43d	1	1.45mi

Listing history 10 events

1. 2026-06-09
   days on market $99,000 Active 89 DOM
2. 2026-06-08
   days on market $99,000 Active 88 DOM
3. 2026-06-07
   days on market $99,000 Active 87 DOM
4. 2026-06-04
   days on market $99,000 Active 84 DOM
5. 2026-06-03
   days on market $99,000 Active 83 DOM
6. 2026-06-02
   days on market $99,000 Active 82 DOM
7. 2026-06-01
   days on market $99,000 Active 81 DOM
8. 2026-05-31
   days on market $99,000 Active 80 DOM
9. 2026-04-25
   price $99,000 340-char remark

   Show marketing remark (340 chars)

   Over 1400 Sq Ft home in a quite neighborhood with very friendly neighbors. This home will need repairs and is priced as such. This home is huge and will make a very nice investment This home is less than 5 minutes from Our Lady Of The Lake University and less than 10 minutes to Downtown. The owners are occupying so please do not disturb.

10. 2026-03-12
    listed $105,000 New 340-char remark

    Show marketing remark (340 chars)

    Over 1400 Sq Ft home in a quite neighborhood with very friendly neighbors. This home will need repairs and is priced as such. This home is huge and will make a very nice investment This home is less than 5 minutes from Our Lady Of The Lake University and less than 10 minutes to Downtown. The owners are occupying so please do not disturb.

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

Tax reassessment forecast TX · Resets to sale price

• Current annual tax: $3,661 · $305/mo
• Projected year-2 tax: $3,661 · $305/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone AE · 66% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 22 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 77% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,815
• − Mortgage interest: −$5,546
• − Property taxes: −$3,661
• − Insurance: −$5,614
• − Repairs & maintenance: −$1,425
• − Management: −$1,425
• − Depreciation: −$2,880
• Taxable loss: −$2,735
• Est. tax savings @ 24.0%: +$656
• After-tax cash flow: $-774/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: San Antonio ISD
• NCES district ID: 4838730
• Math proficiency: 12% ▼ -21.00%
• Reading proficiency: 22% ▼ -7.00%
• Median HH income: $30,952
• Composite: 13.57/100
• National rank: #9512
• State rank: #805 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): 55,474
• Household income: $32,472
• Rent vs Own: 59.7% rent · 40.3% own
• Severe rent burden: 2789.0

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 (88%)
• Race & ethnicity: Hispanic / Latino 88% Two or more races 41% White 6% Black 5% Native American 2%
• Hispanic origin (detail): Mexican 79%
• Foreign-born: 19% · Canada
• Languages at home: 39% English-only · Spanish 60%

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: ▲ 34.92%
• Current HPI: 264.7559
• Rent YoY: ▲ 7.73%
• 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

-5.7% since first listed

2 events — show timeline

• 2026-04-25 Price Changed $99,000 LERA
• 2026-03-12 Listed $105,000 LERA

Property tax history

+6.3%/yr

Latest (2025): $3,661 · +22.4% YoY. Source: county tax records.