3134 W Travis St · San Antonio, TX 78207

$89,000

2 bd · 1.0 ba · 816 sqft · SingleFamily public records · 21 Days on market

Built 1945 4,791 sqft lot $109/sqft · 39% below area Est $147k · 39% under

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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 +27.7/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +9.8/10.0
• 1% rule +8.2/10.0
• Rent growth +4.4/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Schools +1.4/10.0

Listing remarks

Just under 3 miles from downtown San Antonio, this investor special offers incredible income potential. The main home features 2 bedrooms, 1 bathroom, plus an additional space that was used as a third bedroom. The detached back casita includes 2 bedrooms and 1 bathroom, making it perfect for rental income or multi-generational living. Don't miss out on this great opportunity!

Key facts

• 4,791 sq ft lot
• Garage
• Built 1945

Property features AI

Finance

• Financial info: Down payment assistance resources available

Exterior

• Parking: Rear entry parking
• Utilities: City water and sewer
• Home design: Pre-owned building; Approximately 81 years old; Subdivision: 26TH/ZARZAMORA
• Construction: Composition roof
• Exterior features: Siding exterior

Interior

• Kitchen: Kitchen (13 x 12)
• Bedrooms: Master bedroom with ceiling fan (15 x 12); Bedroom 2 (10 x 10); Bedroom 3 (12 x 10); Bedroom 4 (12 x 10)
• Flooring: Ceramic tile flooring; Laminate flooring
• Bathrooms: Two full bathrooms
• Heating & cooling: Natural gas heating; Window unit heating; One window air conditioner
• Interior features: Ceiling fans; Two living areas
• Laundry & utility: Washer connection; Dryer connection

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $89k.

Deal economics

• At list price, monthly cash flow is $270 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $89k).
• Recommended offer: $88k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.9% 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; 27 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).
• This rent runs 43% of the median local income ($32k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $10k of equity ($615 loan paydown + $9k 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 + 7.7% rent growth), your $25k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($88k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1945 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 77% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,665 (1.5% below list)

Questions for the listing agent

1. Built in 1945 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 1.32% ✓
• Cap rate: 9.93%
• Cash-on-cash: 13.00%
• DSCR: 1.58
• GRM: 6.3

CMA / ARV

• ARV (median comp): $146,502
• List price: $89,000
• Delta: -39.25%
• 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
3430 W Salinas	0.20mi	2/2.0	852 (+4%)	2mo	$180,000	$211	78
3410 W Commerce St	0.27mi	2/1.0	804 (-2%)	15mo	$65,000	$81	72
1711 Leal St	0.40mi	2/1.0	816 (0%)	14mo	$110,000	$135	69
3303 Buena Vis	0.29mi	2/1.0	862 (+6%)	10mo	$85,000	$99	69
605 SW 19th St	0.60mi	2/1.0	816 (0%)	8mo	$74,900	$92	65
1507 Leal St	0.43mi	3/1.0 (+1)	818 (+0%)	16mo	$65,000	$79	61
4030 W Salinas	0.69mi	3/1.0 (+1)	816 (0%)	5mo	$134,900	$165	59
1215 Rivas St	0.70mi	2/1.0	848 (+4%)	13mo	$95,000	$112	50
1515 Elvira	0.68mi	2/1.0	876 (+7%)	9mo	$98,900	$113	48
1122 Elvira St	0.70mi	2/2.0	890 (+9%)	2mo	$164,900	$185	47
1418 Rivas	0.71mi	2/1.0	696 (-15%)	2mo	$139,900	$201	41
2318 W Cesar Chavez	0.63mi	3/1.0 (+1)	888 (+9%)	13mo	$150,000	$169	40

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: 36.2%
• Equity multiple: 3.87×
• Total profit: $71,542
• Equity at exit: $80,178

10-year hold

• IRR: 33.0%
• Equity multiple: 9.49×
• Total profit: $211,560
• Equity at exit: $172,907

Cash invested: $24,920 (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: 6.3×

Monthly cashflow live

• Estimated rent: $1,171 high
• Mortgage (P&I): −$467
• Tax from tax record: −$151 /mo · $1,817/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$246
• Net cashflow: $270

Break-even live

Break-even rent $829

Max offer price $89,000

Occupancy floor 72%

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: $22,250
• Closing costs: $2,670
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
234 Gould St Unit 102 San Antonio, TX	2.0	1.5	948	$1,195	$1.26	4d	1	0.16mi
2619 W Houston St San Antonio, TX	3.0	1.0	776	$1,800	$2.32	43d	1	0.42mi
214 Aztec St San Antonio, TX	3.0	2.0	973	$1,275	$1.31	14d	1	0.48mi
1545 Ruiz St San Antonio, TX	2.0	2.0	1020	$935	$0.92	43d	1	0.51mi
1231 Rivas St Unit 102 San Antonio, TX	3.0	2.0	1120	$1,299	$1.16	43d	1	0.71mi
206 Roberts St Unit 201 San Antonio, TX	3.0	2.0	1100	$1,350	$1.23	24d	1	0.72mi
614 N Sabinas St San Antonio, TX	3.0	2.0	930	$1,249	$1.34	4d	1	0.75mi
2721 Colima St San Antonio, TX	2.0	1.0	700	$1,250	$1.79	14d	1	0.76mi
107 Beso Ln Unit 107-BL San Antonio, TX	1.0	1.0	528	$850	$1.61	24d	1	0.80mi
1033 Rivas St #301 San Antonio, TX	2.0	1.0	640	$895	$1.40	10d	1	0.80mi
1033 Rivas St #301 San Antonio, TX	2.0	1.0	640	$925	$1.45	43d	1	0.80mi
2812 Vera Cruz San Antonio, TX	1.0	2.0	1060	$1,200	$1.13	4d	1	0.85mi
509 S Trinity St San Antonio, TX	3.0	1.0	921	$1,300	$1.41	4d	1	0.89mi
816 Rivas St Unit A San Antonio, TX	2.0	1.0	650	$799	$1.23	24d	1	0.92mi
1218 NW 23rd St Unit 2 San Antonio, TX	1.0	10.5	548	$950	$1.73	24d	1	0.95mi
2503 Arbor Pl San Antonio, TX	2.0	1.0	750	$800	$1.07	43d	1	0.96mi
1823 San Carlos St San Antonio, TX	3.0	2.0	1090	$1,099	$1.01	2d	1	0.96mi
122 Collins Ct San Antonio, TX	2.0	1.0	927	$1,150	$1.24	22d	1	0.99mi
1711 W Cesar E Chavez Blvd Unit 1 San Antonio, TX	3.0	1.0	800	$1,275	$1.59	43d	1	0.99mi
2311 Potosi St San Antonio, TX	3.0	1.0	864	$1,600	$1.85	43d	1	1.08mi
215 S Brazos St San Antonio, TX	3.0	1.0	900	$1,350	$1.50	4d	1	1.09mi
542 Rivas St Unit B San Antonio, TX	3.0	2.0	876	$999	$1.14	4d	1	1.20mi
717 N Colorado St San Antonio, TX	3.0	1.0	1100	$1,199	$1.09	43d	1	1.27mi
1209 El Paso St San Antonio, TX	2.0	1.0	966	$975	$1.01	24d	1	1.28mi
1102 El Paso St San Antonio, TX	1.0–3.0	1.0–2.0	888	$1,116	$1.26	3d	1	1.36mi
703 N San Marcos San Antonio, TX	1.0	1.0	700	$716	$1.02	43d	1	1.36mi
2406 S Laredo St San Antonio, TX	3.0	1.0	944	$1,200	$1.27	14d	1	1.38mi

Listing history 5 events

1. 2026-05-18
   status Pending 378-char remark
2. 2026-05-07
   historical Active Option 378-char remark
3. 2026-04-27
   listed $89,000 New 378-char remark
4. 2001-12-21
   soldstatus
5. 2001-10-25
   soldstatus

ⓘ 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: $1,817 · $151/mo
• Projected year-2 tax: $1,817 · $151/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 20 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: $14,052
• − Mortgage interest: −$4,985
• − Property taxes: −$1,817
• − Insurance: −$445
• − Repairs & maintenance: −$1,124
• − Management: −$1,124
• − Depreciation: −$2,589
• Taxable income: $1,968
• Est. tax owed @ 24.0%: −$472
• After-tax cash flow: $2,766/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

6 events — show timeline

• 2026-05-18 Pending — LERA
• 2026-05-07 Contingent — LERA
• 2026-05-05 Listing Removed — LERA
• 2026-04-27 Listed $89,000 LERA
• 2001-12-21 Sold (Public Records) — Public Records
• 2001-10-25 Sold (Public Records) — Public Records

Property tax history

+4.5%/yr

Latest (2025): $1,817 · +10.0% YoY. Source: county tax records.