3719 W Houston St · San Antonio, TX 78207

$100,000

3 bd · 2.0 ba · 1,368 sqft · SingleFamily public records · 66 Days on market

Built 1952 566 sqft lot $73/sqft · 34% below area Est $151k · 34% 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 +29.5/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +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

Located in the established Prospect Hill area of San Antonio, this 3-bedroom, 2-bath single-story home offers approximately 1,368 sq ft of living space on a generously sized lot. Built in 1952, the property presents a strong value-add opportunity for investors or buyers looking to customize and renovate. The home features a functional layout with solid bones and sits in a developing area with ongoing revitalization and comparable sales activity nearby. Conveniently positioned with quick access to major roads and just minutes from downtown, this property is ideal for a fix-and-flip, rental portfolio addition, or long-term hold. With nearby homes selling in the mid-range price points and a buyer's market trend in the area, this property offers upside potential for the right buyer willing to add improvements and vision. Value-add opportunity in growing west-side corridor. Needs updates but priced accordingly-ideal for rehab, rental, or resale. Strong ARV potential supported by nearby comps. Sold as-is.

Key facts

• Functional layout
• Built 1952
• Listed 66 days

Tags

• FUNCTIONAL LAYOUT
• QUICK ACCESS TO MAJOR ROADS
• MINUTES FROM DOWNTOWN

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $-69 ($-833/yr) — negative.
• To cash-flow at today's rent, offer at most $88k (12.3% below list).
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.3% below list) — sets the bar for cash-flow.
• Cap rate 10.6% 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 $1,490/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 ($691 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.
• At projected returns (10.0% appreciation + 7.7% rent growth), your $28k cash investment doubles in ~3 years — after that, you're playing with house money.
• 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 66 days — a 6% lower offer ($94k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 3.0% of price; flood insurance adds $427/mo; built in 1952 — 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 $87,733 (12.3% 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 66 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1952 — 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: 1.49% ✓
• Cap rate: 10.58%
• Cash-on-cash: 15.30%
• DSCR: 1.68
• GRM: 5.6

CMA / ARV

• ARV (median comp): $151,411
• List price: $100,000
• Delta: -33.95%
• 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
3402 W Travis	0.28mi	3/2.0	1,309 (-4%)	7mo	$149,999	$115	74
3714 Martin	0.31mi	3/1.0	1,404 (+3%)	8mo	$89,900	$64	71
3718 W Martin St	0.30mi	3/2.0	1,236 (-10%)	2mo	$90,000	$73	68
2511 Ruiz	0.53mi	3/2.0	1,304 (-5%)	12mo	$245,000	$188	58
3023 W Travis	0.62mi	3/2.0	1,476 (+8%)	3mo	$199,900	$135	55
3523 W Martin	0.47mi	3/2.0	1,232 (-10%)	8mo	$85,000	$69	54
2115 Leal	0.46mi	3/1.0	1,472 (+8%)	11mo	$100,000	$68	53
3430 Commerce	0.23mi	2/1.0 (-1)	1,164 (-15%)	8mo	$49,500	$43	49
3011 W Cesar E Chavez	0.63mi	4/3.0 (+1)	1,262 (-8%)	6mo	$149,900	$119	44
923 N Hamilton	0.72mi	3/2.0	1,472 (+8%)	13mo	$109,700	$75	43
1806 Delgado St	0.63mi	3/1.0	1,224 (-10%)	9mo	$115,000	$94	42
2014 Montezuma	0.75mi	3/2.0	1,198 (-12%)	4mo	$179,900	$150	41

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: 25.1%
• Equity multiple: 3.07×
• Total profit: $57,834
• Equity at exit: $90,088

10-year hold

• IRR: 24.4%
• Equity multiple: 7.88×
• Total profit: $192,725
• Equity at exit: $194,278

Cash invested: $28,000 (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: $1,490 high
• Mortgage (P&I): −$524
• Tax from tax record: −$254 /mo · $3,048/yr
• Insurance: −$42
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $-69

Break-even live

Break-even rent $1,578

Max offer price $87,733

Occupancy floor 100%

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: $25,000
• Closing costs: $3,000
• 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	24d	1	0.21mi
2811 Buena Vista St San Antonio, TX	4.0	2.0	1750	$2,350	$1.34	24d	1	0.58mi
234 Gould St Unit 102 San Antonio, TX	2.0	1.5	948	$1,195	$1.26	4d	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	22d	1	0.75mi
1906 Montezuma St San Antonio, TX	2.0	1.5	1790	$1,300	$0.73	44d	1	0.75mi
214 Aztec St San Antonio, TX	3.0	2.0	973	$1,275	$1.31	15d	1	0.76mi
1545 Ruiz St San Antonio, TX	2.0	2.0	1020	$935	$0.92	44d	1	0.82mi
2425 Monterey St San Antonio, TX	3.0	2.0	1416	$2,000	$1.41	44d	1	0.84mi
1230 Rivas St San Antonio, TX	3.0	2.5	1287	$1,999	$1.55	24d	1	0.89mi
1231 Rivas St Unit 102 San Antonio, TX	3.0	2.0	1120	$1,299	$1.16	44d	1	0.91mi
1823 San Carlos St San Antonio, TX	3.0	2.0	1090	$1,099	$1.01	2d	1	0.92mi
206 Roberts St Unit 201 San Antonio, TX	3.0	2.0	1100	$1,350	$1.23	24d	1	0.96mi
2120 Monterey St Unit 102 San Antonio, TX	2.0	2.0	1220	$1,450	$1.19	11d	1	1.06mi
2120 Monterey St Unit 102 San Antonio, TX	2.0	2.0	1220	$1,490	$1.22	44d	1	1.06mi
709 S Chupaderas St San Antonio, TX	3.0	2.0	1518	$1,345	$0.89	24d	1	1.07mi
2246 W Houston St San Antonio, TX	4.0	3.0	1654	$2,100	$1.27	11d	1	1.16mi
614 N Sabinas St San Antonio, TX	3.0	2.0	930	$1,249	$1.34	4d	1	1.22mi
230 Micklejohn St San Antonio, TX	3.0	2.0	1368	$1,595	$1.17	24d	1	1.22mi
230 Micklejohn St San Antonio, TX	3.0	2.0	1368	$1,695	$1.24	44d	1	1.22mi
509 S Trinity St San Antonio, TX	3.0	1.0	921	$1,300	$1.41	4d	1	1.32mi
1706 Texas Ave San Antonio, TX	2.0	2.0	1204	$1,500	$1.25	44d	1	1.35mi
1706 Texas Ave San Antonio, TX	2.0	2.0	1204	$1,500	$1.25	24d	1	1.35mi
811 Rivas St San Antonio, TX	3.0	2.0	1276	$1,580	$1.24	24d	1	1.35mi
155 S Josephine Tobin Dr San Antonio, TX	3.0	2.5	1782	$1,900	$1.07	22d	1	1.44mi
1820 W Houston St San Antonio, TX	3.0	2.0	1132	$2,300	$2.03	44d	1	1.44mi
2148 Texas Ave San Antonio, TX	3.0	1.0	1131	$1,375	$1.22	24d	1	1.47mi
1615 N Navidad St Unit 101 San Antonio, TX	3.0	2.0	1804	$999	$0.55	4d	1	1.48mi

Listing history 14 events

1. 2026-06-18
   days on market $100,000 Active 66 DOM
2. 2026-06-17
   days on market $100,000 Active 65 DOM
3. 2026-06-16
   days on market $100,000 Active 64 DOM
4. 2026-06-15
   days on market $100,000 Active 63 DOM
5. 2026-06-13
   days on market $100,000 Active 61 DOM
6. 2026-06-09
   days on market $100,000 Active 57 DOM
7. 2026-06-08
   days on market $100,000 Active 56 DOM
8. 2026-06-07
   days on market $100,000 Active 55 DOM
9. 2026-06-04
   days on market $100,000 Active 52 DOM
10. 2026-06-03
    days on market $100,000 Active 51 DOM
11. 2026-06-02
    days on market $100,000 Active 50 DOM
12. 2026-06-01
    days on market $100,000 Active 49 DOM
13. 2026-05-31
    statusdays on market $100,000 Active 48 DOM
14. 2026-04-13
    listed $129,900 New 1016-char remark

    Show marketing remark (1016 chars)

    Located in the established Prospect Hill area of San Antonio, this 3-bedroom, 2-bath single-story home offers approximately 1,368 sq ft of living space on a generously sized lot. Built in 1952, the property presents a strong value-add opportunity for investors or buyers looking to customize and renovate. The home features a functional layout with solid bones and sits in a developing area with ongoing revitalization and comparable sales activity nearby. Conveniently positioned with quick access to major roads and just minutes from downtown, this property is ideal for a fix-and-flip, rental portfolio addition, or long-term hold. With nearby homes selling in the mid-range price points and a buyer's market trend in the area, this property offers upside potential for the right buyer willing to add improvements and vision. Value-add opportunity in growing west-side corridor. Needs updates but priced accordingly-ideal for rehab, rental, or resale. Strong ARV potential supported by nearby comps. Sold as-is.

ⓘ 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: $3,048 · $254/mo
• Projected year-2 tax: $3,048 · $254/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 · 73% 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: $17,881
• − Mortgage interest: −$5,602
• − Property taxes: −$3,048
• − Insurance: −$5,618
• − Repairs & maintenance: −$1,430
• − Management: −$1,430
• − Depreciation: −$2,909
• Taxable loss: −$2,157
• Est. tax savings @ 24.0%: +$518
• After-tax cash flow: $-316/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

1 event — show timeline

• 2026-04-13 Listed $129,900 LERA

Property tax history

+5.4%/yr

Latest (2025): $3,048 · +10.0% YoY. Source: county tax records.