3126 Mission Bell · San Antonio, TX 78224

$210,000

5 bd · 2.5 ba · 2,245 sqft · SingleFamily public records · 102 Days on market

Built 2017 5,183 sqft lot $94/sqft · 23% below area Est $271k · 23% under $29/mo HOA · 1% 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).

• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• Cash flow +8.8/30.0
• 1% rule +4.8/10.0
• Livability +4.0/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• Schools +2.2/10.0

Listing remarks MLS

This two-story home presents a rare short sale opportunity priced below market value! Featuring 4 bedrooms and 2.5 bathrooms, this property is perfect for buyers looking to invest a little TLC and unlock its full potential. The layout offers plenty of space for comfortable living-ideal for entertaining guests, or enjoying weekend BBQs. The backyard is well-suited for kids, pets, and gatherings, making it a great space to personalize and enjoy. Located just 8 minutes from Texas A&M San Antonio, 14 minutes to Brooks City Base, and 14 minutes to the Toyota Plant, this home provides excellent accessibility to major employers, shopping, dining, and schools. With quick access to major roads, the convenience of the location can't be beat. If you're looking for a home to make your own or an investment opportunity, this property is priced to sell fast. Don't miss the chance to secure a below-market deal in a growing area!

Key facts

• Well-suited backyard
• 5,183 sq ft lot
• 2 garage spots

Tags

• WELL-SUITED BACKYARD
• EXCELLENT ACCESSIBILITY
• QUICK ACCESS TO MAJOR ROADS

What this means for you Summary

Snapshot

• This is a 5-bed/2.5-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $-172 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $180k (14.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $206k (1.9% below list).
• Recommended offer: $180k (14.5% below list) — sets the bar for cash-flow.
• Cap rate 5.3% 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.
• Southwest ISD (rural): math 21% / reading 31% proficiency, ranked #701 of 826 in TX (top 85%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents flat; 274 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 41% of the median local income ($60k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $22k of equity ($1k loan paydown + $21k 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 2, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 102 days — a 9% lower offer ($191k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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

• Watch-outs: property tax is 3.3% of price.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $179,559 (14.5% 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 102 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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.
9. 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.
10. 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: 5.31%
• Cash-on-cash: -3.52%
• DSCR: 0.84
• GRM: 8.5

CMA / ARV

• ARV (median comp): $271,293
• List price: $210,000
• Delta: -22.59%
• 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
2522 Rambo Dr	0.60mi	4/2.5 (-1)	2,260 (+1%)	1mo	$314,990	$139	65
2507 Rambo Dr	0.60mi	4/2.5 (-1)	2,260 (+1%)	3mo	$319,990	$142	63
2514 Rambo Dr	0.61mi	4/2.5 (-1)	2,260 (+1%)	7mo	$330,849	$146	60
10323 Liberty Grv	0.58mi	4/2.5 (-1)	2,111 (-6%)	1mo	$306,255	$145	57
2430 Pink Pearl	0.67mi	4/2.5 (-1)	2,130 (-5%)	1mo	$239,900	$113	54
10315 Eve Gdns	0.63mi	4/2.5 (-1)	2,111 (-6%)	4mo	$302,990	$144	53
3203 Coconino Dr	0.69mi	4/3.0 (-1)	2,134 (-5%)	1mo	$205,000	$96	52
2523 Rambo Dr	0.57mi	4/3.0 (-1)	2,396 (+7%)	6mo	$329,790	$138	50
2359 Pink Pearl Dr	0.72mi	5/2.5	2,416 (+8%)	6mo	$349,990	$145	49
3411 Rancho Primera	0.45mi	4/2.5 (-1)	1,948 (-13%)	6mo	$205,000	$105	47
10303 Liberty Grv	0.57mi	4/2.5 (-1)	1,940 (-14%)	1mo	$287,990	$148	45
2510 Rambo Dr	0.62mi	5/3.5	2,511 (+12%)	4mo	$339,990	$135	44

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 · 0.83% rent growth · sell at horizon

5-year hold

• IRR: 21.0%
• Equity multiple: 2.69×
• Total profit: $99,239
• Equity at exit: $189,185

10-year hold

• IRR: 18.5%
• Equity multiple: 5.99×
• Total profit: $293,198
• Equity at exit: $407,984

Cash invested: $58,800 (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 78224

• Home prices YoY: 12.4%
• Rents YoY: 0.8%
• Active inventory: 274
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $2,060 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$582 /mo · $6,981/yr
• Insurance: −$88
• HOA: −$29
• Vacancy / Maint / Mgmt: −$433
• Net cashflow: $-172

Break-even live

Break-even rent $2,278

Max offer price $179,559

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12305 SW Loop 410 San Antonio, TX	1.0–4.0	1.0–2.0	1036	$1,607	$1.55	16d	1	0.23mi
3322 Rancho Grande San Antonio, TX	4.0	2.5	2094	$1,895	$0.90	11d	1	0.29mi
3434 Hacienda Way San Antonio, TX	4.0	2.5	2141	$1,900	$0.89	16d	1	0.46mi
3434 Hacienda Way San Antonio, TX	4.0	2.5	2141	$2,000	$0.93	21d	1	0.46mi
3523 Rancho Grande San Antonio, TX	4.0	3.0	2393	$2,000	$0.84	1d	1	0.54mi
2434 Dry Moss Way San Antonio, TX	4.0	2.5	2417	$2,500	$1.03	1d	1	0.65mi
2343 Applewhite Mdw San Antonio, TX	4.0	2.5	1798	$1,795	$1.00	23d	1	0.73mi
2318 Applewhite Mdw San Antonio, TX	4.0	2.5	1798	$1,795	$1.00	23d	1	0.78mi
2307 Applewhite Mdw San Antonio, TX	4.0	2.5	1798	$1,750	$0.97	43d	1	0.80mi
2242 Fishing Trl San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	43d	1	0.89mi
2235 Fishing Trl San Antonio, TX	4.0	2.5	1847	$1,755	$0.95	43d	1	0.89mi
2230 Fishing Trl San Antonio, TX	4.0	2.5	1847	$1,755	$0.95	23d	1	0.92mi
2222 Fishing Trl San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	23d	1	0.94mi
2115 Bigmouth Rod San Antonio, TX	4.0	2.5	1847	$1,755	$0.95	43d	1	0.98mi
2111 Bigmouth Rod San Antonio, TX	4.0	2.5	1917	$1,700	$0.89	43d	1	0.99mi
10527 Hunters Pond San Antonio, TX	4.0	2.5	1510	$1,395	$0.92	43d	1	0.99mi
10523 Goose Way San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	43d	1	1.12mi
10723 Butterfly Pass San Antonio, TX	4.0	2.5	1687	$1,675	$0.99	43d	1	1.12mi
10710 Butterfly Pass San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	43d	1	1.13mi
10723 Goose Way San Antonio, TX	4.0	2.5	1917	$1,785	$0.93	43d	1	1.16mi
9419 Trap Rock Dr San Antonio, TX	4.0	2.5	2126	$1,750	$0.82	4d	1	1.20mi
1347 Neria LOOP San Antonio, TX	4.0	2.5	2173	$1,699	$0.78	43d	1	1.34mi
10811 Soupe CV San Antonio, TX	4.0	2.5	2173	$1,995	$0.92	2d	1	1.34mi

HOA detail

• Monthly dues: $29 · $348/yr

Listing history 18 events

1. 2026-06-18
   days on market $210,000 Active 102 DOM
2. 2026-06-17
   days on market $210,000 Active 101 DOM
3. 2026-06-16
   days on market $210,000 Active 100 DOM
4. 2026-06-15
   days on market $210,000 Active 99 DOM
5. 2026-06-13
   days on market $210,000 Active 97 DOM
6. 2026-06-09
   days on market $210,000 Active 93 DOM
7. 2026-06-08
   days on market $210,000 Active 92 DOM
8. 2026-06-07
   days on market $210,000 Active 91 DOM
9. 2026-06-04
   days on market $210,000 Active 88 DOM
10. 2026-06-03
    days on market $210,000 Active 87 DOM
11. 2026-06-02
    days on market $210,000 Active 86 DOM
12. 2026-06-01
    days on market $210,000 Active 85 DOM
13. 2026-05-31
    days on market $210,000 Active 84 DOM
14. 2026-04-10
    status Back on Market 930-char remark

    Show marketing remark (930 chars)

    This two-story home presents a rare short sale opportunity priced below market value! Featuring 4 bedrooms and 2.5 bathrooms, this property is perfect for buyers looking to invest a little TLC and unlock its full potential. The layout offers plenty of space for comfortable living-ideal for entertaining guests, or enjoying weekend BBQs. The backyard is well-suited for kids, pets, and gatherings, making it a great space to personalize and enjoy. Located just 8 minutes from Texas A&M San Antonio, 14 minutes to Brooks City Base, and 14 minutes to the Toyota Plant, this home provides excellent accessibility to major employers, shopping, dining, and schools. With quick access to major roads, the convenience of the location can't be beat. If you're looking for a home to make your own or an investment opportunity, this property is priced to sell fast. Don't miss the chance to secure a below-market deal in a growing area!

15. 2026-02-12
    status Pending 930-char remark

    Show marketing remark (930 chars)

    This two-story home presents a rare short sale opportunity priced below market value! Featuring 4 bedrooms and 2.5 bathrooms, this property is perfect for buyers looking to invest a little TLC and unlock its full potential. The layout offers plenty of space for comfortable living-ideal for entertaining guests, or enjoying weekend BBQs. The backyard is well-suited for kids, pets, and gatherings, making it a great space to personalize and enjoy. Located just 8 minutes from Texas A&M San Antonio, 14 minutes to Brooks City Base, and 14 minutes to the Toyota Plant, this home provides excellent accessibility to major employers, shopping, dining, and schools. With quick access to major roads, the convenience of the location can't be beat. If you're looking for a home to make your own or an investment opportunity, this property is priced to sell fast. Don't miss the chance to secure a below-market deal in a growing area!

16. 2025-10-31
    status Pending SB 930-char remark

    Show marketing remark (930 chars)

    This two-story home presents a rare short sale opportunity priced below market value! Featuring 4 bedrooms and 2.5 bathrooms, this property is perfect for buyers looking to invest a little TLC and unlock its full potential. The layout offers plenty of space for comfortable living-ideal for entertaining guests, or enjoying weekend BBQs. The backyard is well-suited for kids, pets, and gatherings, making it a great space to personalize and enjoy. Located just 8 minutes from Texas A&M San Antonio, 14 minutes to Brooks City Base, and 14 minutes to the Toyota Plant, this home provides excellent accessibility to major employers, shopping, dining, and schools. With quick access to major roads, the convenience of the location can't be beat. If you're looking for a home to make your own or an investment opportunity, this property is priced to sell fast. Don't miss the chance to secure a below-market deal in a growing area!

17. 2025-10-08
    historical Active Option 930-char remark

    Show marketing remark (930 chars)

    This two-story home presents a rare short sale opportunity priced below market value! Featuring 4 bedrooms and 2.5 bathrooms, this property is perfect for buyers looking to invest a little TLC and unlock its full potential. The layout offers plenty of space for comfortable living-ideal for entertaining guests, or enjoying weekend BBQs. The backyard is well-suited for kids, pets, and gatherings, making it a great space to personalize and enjoy. Located just 8 minutes from Texas A&M San Antonio, 14 minutes to Brooks City Base, and 14 minutes to the Toyota Plant, this home provides excellent accessibility to major employers, shopping, dining, and schools. With quick access to major roads, the convenience of the location can't be beat. If you're looking for a home to make your own or an investment opportunity, this property is priced to sell fast. Don't miss the chance to secure a below-market deal in a growing area!

18. 2025-09-27
    listed $210,000 New 930-char remark

    Show marketing remark (930 chars)

    This two-story home presents a rare short sale opportunity priced below market value! Featuring 4 bedrooms and 2.5 bathrooms, this property is perfect for buyers looking to invest a little TLC and unlock its full potential. The layout offers plenty of space for comfortable living-ideal for entertaining guests, or enjoying weekend BBQs. The backyard is well-suited for kids, pets, and gatherings, making it a great space to personalize and enjoy. Located just 8 minutes from Texas A&M San Antonio, 14 minutes to Brooks City Base, and 14 minutes to the Toyota Plant, this home provides excellent accessibility to major employers, shopping, dining, and schools. With quick access to major roads, the convenience of the location can't be beat. If you're looking for a home to make your own or an investment opportunity, this property is priced to sell fast. Don't miss the chance to secure a below-market deal in a growing area!

ⓘ 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: $6,981 · $582/mo
• Projected year-2 tax: $6,981 · $582/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 23 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,717
• − Mortgage interest: −$11,763
• − Property taxes: −$6,981
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,977
• − Management: −$1,977
• − HOA: −$348
• − Depreciation: −$6,109
• Taxable loss: −$5,489
• Est. tax savings @ 24.0%: +$1,317
• After-tax cash flow: $-750/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: Southwest ISD
• NCES district ID: 4840950
• Math proficiency: 21% ▼ -21.00%
• Reading proficiency: 31% ▼ -5.00%
• Median HH income: $43,362
• Composite: 22.22/100
• National rank: #8153
• State rank: #701 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): 22,232
• Household income: $59,891
• Rent vs Own: 42.3% rent · 57.7% own
• Severe rent burden: 721.0

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 (90%)
• Race & ethnicity: Hispanic / Latino 90% Two or more races 24% White 6% Native American 2% Asian 2%
• Hispanic origin (detail): Mexican 75%
• Common ancestry: Italian 1%
• Foreign-born: 18% · Canada, Vietnam, China
• Languages at home: 44% English-only · Spanish 55% Chinese 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: ▲ 29.95%
• Current HPI: 272.0709
• Rent YoY: ▲ 0.83%
• 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 events — show timeline

• 2026-04-10 Relisted — LERA
• 2026-02-12 Pending — LERA
• 2025-10-31 Pending — LERA
• 2025-10-08 Contingent — LERA
• 2025-09-27 Listed $210,000 LERA

Property tax history

+36.8%/yr

Latest (2025): $6,981 · -4.0% YoY. Source: county tax records.