CashFlowRE
Sign in Sign up
5410 Daphne Path
C Composite 58.88
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 +18.6/30.0
  • ARV discount +15.0/15.0
  • DSCR +5.8/10.0
  • 1% rule +4.8/10.0
  • Schools +4.4/10.0
  • Livability +4.0/5.0
  • Condition / age +4.0/5.0
  • Rent growth +2.2/5.0
  • Appreciation +0.0/10.0

$192,000

5410 Daphne Path · San Antonio, TX 78253
4 bd · 2.0 ba · 1,635 sqft · SingleFamily public records · 57 Days on market
Built 2023 Good condition 5,096 sqft lot $117/sqft · 26% below area Est $261k · 26% under $38/mo HOA · 2% of rent ↓ 27% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

One-story unit featuring an owner's suite with a full bathroom and walk-in closet. The open-concept living area connects seamlessly to the foyer and offers a versatile layout with the kitchen, living room, and family room all in one space. Home offers 1,627 sq ft with 4 bedrooms and 2 bathrooms. Great opportunity with TLC needed-perfect for investors or buyers looking to add their personal touch!

Key facts

  • Versatile layout
  • Full bathroom
  • Walk-in closet

Tags

OWNER'S SUITEFULL BATHROOMWALK-IN CLOSETOPEN-CONCEPT LIVING AREAVERSATILE LAYOUT

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $192k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $186 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $188k (2.0% below list).
  • Recommended offer: $186k (3.0% below list) — sets the bar for market timing.
  • Cap rate 7.5% 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: schools C-, 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.
  • Market conditions: Rents soft (-1.1%/yr); 697 active listings in the ZIP; 22 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 $1k of loan paydown is wiped out by about $6k 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 57 days — a 3% lower offer ($186k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 3y ago 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: major wind risk, 70% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $186,240 (3.0% below list)

Questions for the listing agent

  1. It's been on market 57 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  4. 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?
  5. 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.
  6. 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.
  7. 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
0.98%
Cap rate
7.45%
Cash-on-cash
4.15%
DSCR
1.18
GRM
8.5

CMA / ARV

ARV (median comp)
$260,821
List price
$192,000
Delta
-26.39%
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
5415 Daphne 0.03mi 4/2.0 1,635 (0%) 0mo $224,900 $138 98
5482 Daphne 0.12mi 4/2.0 1,635 (0%) 4mo $230,000 $141 91
5216 Whirling Pl 0.25mi 4/2.0 1,600 (-2%) 1mo $234,999 $147 84
5212 Whirling Pl 0.26mi 4/2.0 1,575 (-4%) 1mo $230,999 $147 81
5208 Whirling Pl 0.27mi 3/2.0 (-1) 1,657 (+1%) 3mo $250,999 $151 78
14974 Fischer Gdn 0.40mi 3/2.5 (-1) 1,624 (-1%) 2mo $294,990 $182 71
15055 Homing Mdw 0.47mi 4/2.0 1,564 (-4%) 3mo $259,990 $166 68
14911 Morgan Vw 0.16mi 3/2.0 (-1) 1,402 (-14%) 1mo $247,999 $177 63
14923 Morgan Vw 0.18mi 3/2.0 (-1) 1,402 (-14%) 0mo $222,999 $159 62
5906 Argae 0.36mi 3/2.0 (-1) 1,413 (-14%) 1mo $257,000 $182 54
14986 Fischer Gdn 0.41mi 3/2.0 (-1) 1,412 (-14%) 3mo $267,990 $190 50
14930 Fischer Gdn 0.36mi 3/2.5 (-1) 1,880 (+15%) 4mo $339,990 $181 48

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
-13.2%
Equity multiple
0.54×
Total profit
$-24,779
Equity at exit
$28,628
10-year hold
IRR
-9.6%
Equity multiple
0.49×
Total profit
$-27,598
Equity at exit
$16,601

Cash invested: $53,760 (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.

ZIP-level market 78253

Home prices YoY
-33.4%
Rents YoY
-1.1%
Active inventory
697
Price-to-rent
8.5×

Monthly cashflow live

Estimated rent
$1,882 high interval (Pro) →
Mortgage (P&I)
$1,007
Tax from tax record
$176 /mo · $2,110/yr
Insurance
$80
HOA
$38
Vacancy / Maint / Mgmt
$395
Net cashflow
$186

Break-even live

Break-even rent $1,646
Max offer price $192,000
Occupancy floor 85%

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
$48,000
Closing costs
$5,760
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 22 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
5221 Monarch Bnd , TX 4.0 2.5 1950 $1,950 $1.00 44d 1 0.05mi
5266 Monarch Bnd San Antonio, TX 4.0 2.0 1627 $1,590 $0.98 2d 1 0.06mi
14803 Brandy Bnd San Antonio, TX 4.0 2.5 1943 $1,950 $1.00 3d 1 0.08mi
5444 Calton Bnd San Antonio, TX 4.0 2.5 1950 $1,847 $0.95 4d 1 0.09mi
5466 Daphne Path San Antonio, TX 4.0 2.5 1950 $1,895 $0.97 44d 1 0.11mi
5463 Daphne Path San Antonio, TX 3.0 2.0 1450 $1,450 $1.00 15d 1 0.11mi
5475 Calton Bnd San Antonio, TX 4.0 2.0 1627 $1,565 $0.96 4d 1 0.11mi
14915 Morgan Vw San Antonio, TX 4.0 2.5 2196 $1,950 $0.89 11d 1 0.14mi
5202 Morgan Crst San Antonio, TX 4.0 2.5 2196 $1,900 $0.87 4d 1 0.28mi
15035 Homing Mdw San Antonio, TX 4.0 2.5 1745 $1,850 $1.06 24d 1 0.43mi
5512 Trinity Run San Antonio, TX 3.0–4.0 2.0–2.5 1759 $2,395 $1.36 4d 9 0.71mi
5203 Green Clb Unit 1 San Antonio, TX 3.0 2.0 1303 $1,645 $1.26 24d 1 0.86mi
15526 Suess Hl Unit 1 San Antonio, TX 3.0 2.0 1280 $1,595 $1.25 44d 1 0.91mi
5123 Cindy Br Unit A San Antonio, TX 3.0 2.0 1484 $1,695 $1.14 11d 1 0.92mi
5123 Cindy Br Unit 1 San Antonio, TX 3.0 2.0 1484 $1,695 $1.14 24d 1 0.92mi
5115 Cindy Br Unit 1 San Antonio, TX 4.0 2.5 1676 $1,750 $1.04 44d 1 0.93mi
5111 Cindy Br Unit 1 San Antonio, TX 3.0 2.0 1484 $1,695 $1.14 22d 1 0.93mi
5111 Cindy Br Unit 1 San Antonio, TX 3.0 2.0 1484 $1,695 $1.14 24d 1 0.93mi
5107 Cindy Br Unit 2 San Antonio, TX 3.0 2.0 1299 $1,599 $1.23 24d 1 0.93mi
5103 Cindy Br Unit 1 San Antonio, TX 3.0 2.5 1280 $1,595 $1.25 22d 1 0.94mi
5103 Cindy Br Unit 1 San Antonio, TX 3.0 2.0 1280 $1,595 $1.25 44d 1 0.94mi
4506 County Road 3841 San Antonio, TX 3.0 2.0 1232 $1,500 $1.22 24d 1 1.08mi

HOA detail

Monthly dues
$38 · $456/yr

Listing history 17 events

  1. 2026-06-13
    statusdays on market $192,000 Pending 57 DOM
  2. 2026-06-09
    days on market $192,000 Active Option 56 DOM
  3. 2026-06-08
    days on market $192,000 Active Option 55 DOM
  4. 2026-06-07
    days on market $192,000 Active Option 54 DOM
  5. 2026-06-04
    days on market $192,000 Active Option 51 DOM
  6. 2026-06-03
    days on market $192,000 Active Option 50 DOM
  7. 2026-06-02
    days on market $192,000 Active Option 49 DOM
  8. 2026-06-02
    days on market $192,000 Active Option 48 DOM
  9. 2026-05-31
    days on market $192,000 Active Option 47 DOM
  10. 2026-05-12
    historical Active Option 400-char remark
    Show marketing remark (400 chars)

    One-story unit featuring an owner's suite with a full bathroom and walk-in closet. The open-concept living area connects seamlessly to the foyer and offers a versatile layout with the kitchen, living room, and family room all in one space. Home offers 1,627 sq ft with 4 bedrooms and 2 bathrooms. Great opportunity with TLC needed-perfect for investors or buyers looking to add their personal touch!

  11. 2026-04-14
    listed $192,000 New 400-char remark
    Show marketing remark (400 chars)

    One-story unit featuring an owner's suite with a full bathroom and walk-in closet. The open-concept living area connects seamlessly to the foyer and offers a versatile layout with the kitchen, living room, and family room all in one space. Home offers 1,627 sq ft with 4 bedrooms and 2 bathrooms. Great opportunity with TLC needed-perfect for investors or buyers looking to add their personal touch!

  12. 2024-06-05
    historical 427-char remark
    Show marketing remark (427 chars)

    The Drexel - This single-story home has a thoughtful layout. There is an owner's suite with a full bathroom and walk-in closet in the back for added privacy. The open living area is connected to the foyer and features a versatile open layout with the kitchen, living room and family room all in one area. Estimated COE Feb 2024! Prices and features may vary and are subject to change. Photos are for illustrative purposes only.

  13. 2024-02-27
    soldstatus Sold 427-char remark
    Show marketing remark (427 chars)

    The Drexel - This single-story home has a thoughtful layout. There is an owner's suite with a full bathroom and walk-in closet in the back for added privacy. The open living area is connected to the foyer and features a versatile open layout with the kitchen, living room and family room all in one area. Estimated COE Feb 2024! Prices and features may vary and are subject to change. Photos are for illustrative purposes only.

  14. 2024-02-05
    status Pending 427-char remark
    Show marketing remark (427 chars)

    The Drexel - This single-story home has a thoughtful layout. There is an owner's suite with a full bathroom and walk-in closet in the back for added privacy. The open living area is connected to the foyer and features a versatile open layout with the kitchen, living room and family room all in one area. Estimated COE Feb 2024! Prices and features may vary and are subject to change. Photos are for illustrative purposes only.

  15. 2024-01-26
    price $236,999 427-char remark
    Show marketing remark (427 chars)

    The Drexel - This single-story home has a thoughtful layout. There is an owner's suite with a full bathroom and walk-in closet in the back for added privacy. The open living area is connected to the foyer and features a versatile open layout with the kitchen, living room and family room all in one area. Estimated COE Feb 2024! Prices and features may vary and are subject to change. Photos are for illustrative purposes only.

  16. 2024-01-23
    price $237,999 427-char remark
    Show marketing remark (427 chars)

    The Drexel - This single-story home has a thoughtful layout. There is an owner's suite with a full bathroom and walk-in closet in the back for added privacy. The open living area is connected to the foyer and features a versatile open layout with the kitchen, living room and family room all in one area. Estimated COE Feb 2024! Prices and features may vary and are subject to change. Photos are for illustrative purposes only.

  17. 2023-11-30
    listed $262,999 New 427-char remark
    Show marketing remark (427 chars)

    The Drexel - This single-story home has a thoughtful layout. There is an owner's suite with a full bathroom and walk-in closet in the back for added privacy. The open living area is connected to the foyer and features a versatile open layout with the kitchen, living room and family room all in one area. Estimated COE Feb 2024! Prices and features may vary and are subject to change. Photos are for illustrative purposes only.

ⓘ 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
$2,110 · $176/mo
Projected year-2 tax
$3,514 · $293/mo
Expected delta
+$1,403/yr (+$117/mo · 66.5%)

ⓘ 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 5/10 Major
  • 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 70% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$22,581
− Mortgage interest
−$10,755
− Property taxes
−$2,110
− Insurance
−$960
− Repairs & maintenance
−$1,806
− Management
−$1,806
− HOA
−$456
− Depreciation
−$5,585
Taxable loss
−$899
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$216
After-tax cash flow
$2,446/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 · 12 photos

Good 80/100 Cosmetic rehab

This one-story home is in good condition with a good layout and modern updates. It's a great opportunity for investors or buyers looking to add their personal touch.

Value-add opportunities

  • Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics
  • Both Landscaping and curb appeal improvements — Aesthetic improvements can attract more buyers and renters
  • Both Add a small front porch or entryway — Enhances curb appeal and creates a welcoming entry
  • Both Install smart home features — Modernizes the home and adds value for both buyers and renters

Renovation cost estimate screening

Value-add ROI direction

  • Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics
  • Both Landscaping and curb appeal improvements — Aesthetic improvements can attract more buyers and renters
  • Both Add a small front porch or entryway — Enhances curb appeal and creates a welcoming entry
  • Both Install smart home features — Modernizes the home and adds value for both buyers and renters

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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

Price history

-27.0% since first listed
8 events — show timeline
  • 2026-05-12 Contingent LERA
  • 2026-04-14 Listed $192,000 LERA
  • 2024-06-05 Listing Removed LERA
  • 2024-02-27 Sold (MLS) LERA
  • 2024-02-05 Pending LERA
  • 2024-01-26 Price Changed $236,999 LERA
  • 2024-01-23 Price Changed $237,999 LERA
  • 2023-11-30 Listed $262,999 LERA

Property tax history

+81.7%/yr

Latest (2025): $2,110 · -50.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…