6658 Coquina Cv · San Antonio, TX 78112

$151,999

3 bd · 2.0 ba · 1,692 sqft · SingleFamily · 24 Days on market

Built 2026 Good condition 4,791 sqft lot Est $203k · 25% under $106/mo HOA · 6% of rent

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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 +19.5/30.0
• ARV discount +15.0/15.0
• DSCR +6.2/10.0
• 1% rule +6.1/10.0
• Appreciation +4.9/10.0
• Livability +4.0/5.0
• Condition / age +4.0/5.0
• Rent growth +2.5/5.0
• Schools +1.9/10.0

Listing remarks

The Gates - This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining. An owner's suite enjoys a private location in the back of the home, complemented by an en-suite bathroom, walk-in closet and direct access to an outdoor space. There are two secondary bedrooms. Estimated Completion September 2026. The completion date, prices and features may vary and are subject to change. Please verify with Lennar directly. Photos are for illustrative purposes only.

Key facts

• Walk-in closet
• Open floorplan
• En-suite bathroom

Tags

• OPEN FLOORPLAN
• OWNER'S SUITE
• EN-SUITE BATHROOM
• WALK-IN CLOSET
• DIRECT ACCESS OUTDOOR SPACE

Property features AI

Finance

• HOA & community: Mandatory HOA; HOA fee $319.50 paid quarterly; Association transfer fee $450; Subdivision: STONE GARDEN

Exterior

• Parking: 2-car garage
• Utilities: Water: SAWS; Sewer: SAWS; Electricity: CPS; Gas: Centric; Garbage service: Frontier
• Home design: New construction by Lennar; Brick and cement fiber exterior
• Construction: Slab foundation; Composition roof
• Exterior features: Pool (community); Clubhouse (community); Other community amenities

Interior

• Kitchen: Stove/Range; Dishwasher; Kitchen approximately 10 x 11
• Bedrooms: Primary bedroom on lower level with walk-in closet and full bath; Bedroom 2: 10 x 10; Bedroom 3: 10 x 10; Primary bedroom: 14 x 11
• Flooring: Carpeting; Vinyl flooring
• Bathrooms: 2 full bathrooms; Primary bathroom with shower only and single vanity
• Heating & cooling: Central heating; Electric and natural gas heating; Central air conditioning
• Interior features: Open floor plan; Breakfast bar; Utility room inside; Laundry room on main level; Walk-in closets; One living area
• Laundry & utility: Washer connection; Dryer connection; Laundry room inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $152k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $173 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $152k).
• Recommended offer: $150k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.7% 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.
• 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: Harmony El (math 21% / reading 17%, grade F, #3,739 of 4,322 statewide, top 87%, 684 students, 75% FRL); East Central H S (math 21% / reading 28%, grade F, #1,264 of 1,632 statewide, top 82%, 3,252 students, 52% FRL) — zoned schools at 63% FRL track the district average.
• Market conditions: 451 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).

Forward outlook

• In year one you build about $800 of equity ($1k loan paydown + $-251 appreciation (-0.2% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-0.2% appreciation + 3.0% rent growth), your $43k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($150k) is reasonable based on typical stale-listing flexibility.

Recommended offer $149,719 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 1.11% ✓
• Cap rate: 7.66%
• Cash-on-cash: 4.88%
• DSCR: 1.22
• GRM: 7.5

CMA / ARV

• ARV (on-the-fly): $203,040
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15111 Azzurro Stone	0.17mi	4/2.0 (+1)	1,692 (0%)	1mo	$195,999	$116	86
15027 Azzurro Stone	0.17mi	4/2.0 (+1)	1,692 (0%)	2mo	$180,999	$107	86
14809 Granite Gdn	0.22mi	3/2.0	1,650 (-2%)	1mo	$221,999	$135	85
15106 Azzurro Stone	0.16mi	4/2.0 (+1)	1,575 (-7%)	1mo	$196,999	$125	75
14702 Granite Gdn	0.15mi	3/2.0	1,904 (+12%)	2mo	$239,999	$126	71
14836 Onyx Pl	0.22mi	4/2.0 (+1)	1,600 (-5%)	6mo	$184,999	$116	71
14805 Mudstone Pl	0.11mi	4/2.0 (+1)	1,483 (-12%)	1mo	$177,999	$120	68
14819 Onyx Pl	0.19mi	4/2.0 (+1)	1,600 (-5%)	11mo	$210,443	$132	68
14820 Onyx Pl	0.22mi	4/2.0 (+1)	1,600 (-5%)	10mo	$207,999	$130	67
15103 Azzurro Stone	0.17mi	4/2.0 (+1)	1,483 (-12%)	1mo	$177,999	$120	66
14761 Onyx Pl	0.19mi	4/2.0 (+1)	1,600 (-5%)	14mo	$191,999	$120	65
6926 Biotite Rdg	0.30mi	3/2.0	1,450 (-14%)	3mo	$135,000	$93	60

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

Projected returns pro-forma

-0.17% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 2.8%
• Equity multiple: 1.13×
• Total profit: $5,493
• Equity at exit: $42,884

10-year hold

• IRR: 8.4%
• Equity multiple: 1.89×
• Total profit: $37,969
• Equity at exit: $50,561

Cash invested: $42,560 (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 78112

• Home prices YoY: -0.1%
• Active inventory: 451
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,683 high
• Mortgage (P&I): −$797
• Tax est. 1.5%: −$190 /mo · $2,280/yr
• Insurance: −$63
• HOA: −$106
• Vacancy / Maint / Mgmt: −$353
• Net cashflow: $173

Break-even live

Break-even rent $1,464

Max offer price $151,999

Occupancy floor 85%

Sensitivity live

Price	-10% $278	-5% $226	+0% $173	+5% $121	+10% $68
Rent	-10% $40	-5% $107	+0% $173	+5% $240	+10% $306
Rate	-1.0pp $250	-0.5pp $212	base $173	+0.5pp $134	+1.0pp $94

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: $38,000
• Closing costs: $4,560
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6941 Dorato Rdg San Antonio, TX	4.0	2.5	1952	$1,750	$0.90	5d	1	0.23mi
6933 Calcite Trl San Antonio, TX	4.0	2.0	1606	$1,695	$1.06	13d	1	0.23mi
6933 Biotite Rdg San Antonio, TX	3.0	2.0	1125	$1,650	$1.47	11d	1	0.24mi
6948 Calcite Trl San Antonio, TX	3.0	2.0	1440	$1,600	$1.11	3d	1	0.28mi
14606 Hackamore Way Elmendorf, TX	4.0	2.0	1696	$1,700	$1.00	3d	1	0.95mi
14606 Hackamore Way Elmendorf, TX	4.0	2.0	1699	$1,700	$1.00	16d	1	0.95mi
14651 Latigo Loop Elmendorf, TX	4.0	2.0	1696	$1,750	$1.03	3d	1	1.06mi
7663 Stud Dr Elmendorf, TX	3.0	2.0	1233	$1,600	$1.30	3d	1	1.08mi

HOA detail

• Monthly dues: $106 · $1,272/yr

Listing history 15 events

1. 2026-06-21
   days on market $151,999 Active 24 DOM
2. 2026-06-18
   days on market $151,999 Active 21 DOM
3. 2026-06-17
   days on market $151,999 Active 20 DOM
4. 2026-06-16
   days on market $151,999 Active 19 DOM
5. 2026-06-15
   days on market $151,999 Active 18 DOM
6. 2026-06-13
   days on market $151,999 Active 16 DOM
7. 2026-06-09
   days on market $151,999 Active 12 DOM
8. 2026-06-08
   statusdays on market $151,999 Active 11 DOM
9. 2026-06-07
   days on market $151,999 New 10 DOM
10. 2026-06-04
    days on market $151,999 New 7 DOM
11. 2026-06-03
    days on market $151,999 New 6 DOM
12. 2026-06-02
    days on market $151,999 New 5 DOM
13. 2026-06-01
    days on market $151,999 New 4 DOM
14. 2026-05-31
    days on market $151,999 New 3 DOM
15. 2026-05-28
    listed $151,999 New

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

Taxation est. · year 1

• Rental income: $20,195
• − Mortgage interest: −$8,514
• − Property taxes: −$2,280
• − Insurance: −$760
• − Repairs & maintenance: −$1,616
• − Management: −$1,616
• − HOA: −$1,272
• − Depreciation: −$4,422
• Taxable loss: −$284
• Est. tax savings @ 24.0%: +$68
• After-tax cash flow: $2,145/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 single-level home showcases a spacious open floorplan with a good condition exterior and interior. It is move-in ready with minor cosmetic updates that can further enhance its value.

Value-add opportunities

• Both Painting the exterior siding — Fresh paint can enhance the curb appeal and increase the home's value.
• Both Landscaping improvements — Well-maintained landscaping can improve the home's curb appeal and increase its value.
• Resale Kitchen appliances — Upgrading the kitchen appliances can make the home more appealing to potential buyers.
• Resale Bathroom fixtures — Upgrading the bathroom fixtures can make the home more appealing to potential buyers.
• Rental HVAC system maintenance — A well-maintained HVAC system can attract tenants and increase rental income.
• Rental Landscaping improvements — Well-maintained landscaping can attract tenants and increase rental income.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior siding — Fresh paint can enhance the curb appeal and increase the home's value. ↑
• Both Landscaping improvements — Well-maintained landscaping can improve the home's curb appeal and increase its value. ↑
• Resale Kitchen appliances — Upgrading the kitchen appliances can make the home more appealing to potential buyers. ↑
• Resale Bathroom fixtures — Upgrading the bathroom fixtures can make the home more appealing to potential buyers. ↑
• Rental HVAC system maintenance — A well-maintained HVAC system can attract tenants and increase rental income. ↑
• Rental Landscaping improvements — Well-maintained landscaping can attract tenants and increase rental income. ↑

ⓘ 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: 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

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

• City population: 1,806,925
• Population (ZIP): 9,959

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 (72%)
• Race & ethnicity: Hispanic / Latino 72% Two or more races 39% White 24% Asian 1%
• Hispanic origin (detail): Mexican 64%
• Common ancestry: Lithuanian 1%
• Foreign-born: 14% · Canada
• Languages at home: 57% English-only · Spanish 42% 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: ▼ -0.17%
• Current HPI: 276.3302
• Rent YoY: —
• Metro: —
• 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

1 event — show timeline

• 2026-05-28 Listed $151,999 LERA