6827 Marble Rdg · San Antonio, TX 78112

$161,999

3 bd · 2.5 ba · 1,360 sqft · SingleFamily · 21 Days on market

Built 2026 Excellent condition 4,791 sqft lot Est $163k · at est. $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 +16.2/30.0
• ARV discount +7.8/15.0
• 1% rule +5.2/10.0
• DSCR +5.0/10.0
• Appreciation +4.9/10.0
• Condition / age +4.8/5.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Schools +1.9/10.0

Listing remarks

The Pima - The first floor of this two-story home is host to a spacious open floorplan that seamlessly connects an inviting family room, elegant dining room and chef-inspired kitchen. Upstairs, there are three bedrooms, including the luxe owner's suite, which features a restful bedroom, en-suite bathroom and generous walk-in closet. 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

• 4,791 sq ft lot
• Garage
• Community pool

Property features AI

Finance

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

Exterior

• Parking: 1-car garage
• Utilities: Water: SAWS; Sewer: SAWS; Gas supplier: Centric; Electricity supplier: CPS; Garbage service: Frontier
• Home design: New construction by Lennar
• Construction: Siding and cement fiber exterior; Composition roof; Slab foundation; Built new (approximate age: 0)
• Exterior features: Subdivision: STONE GARDEN; Community amenities: Pool, Clubhouse, Other community features

Interior

• Kitchen: Kitchen dimensions: 14 x 9; Stove/Range; Dishwasher
• Bedrooms: Primary bedroom on upper level with walk-in closet and full bath; Bedroom 2: 10 x 9; Bedroom 3: 10 x 9; Primary bedroom dimensions: 14 x 11
• Flooring: Carpeting; Vinyl flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom; Primary bath 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 (upper level); All bedrooms on upper level; Walk-in closets; 1 living area
• Laundry & utility: Washer connection; Dryer connection; Laundry located on upper level

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $162k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $85 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $162k).
• Recommended offer: $160k (1.5% below list) — sets the bar for market timing.
• Cap rate 6.9% 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: 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: 442 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 2d 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 $852 of equity ($1k loan paydown + $-268 appreciation (-0.2% local appreciation)).
• 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 21 days — a 2% lower offer ($160k) is reasonable based on typical stale-listing flexibility.

Recommended offer $159,569 (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: 1.02% ✓
• Cap rate: 6.92%
• Cash-on-cash: 2.24%
• DSCR: 1.10
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $163,200
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6844 Marble Rdg	0.04mi	3/2.5	1,360 (0%)	0mo	$139,999	$103	98
6729 Marble Rdg	0.06mi	3/2.5	1,360 (0%)	0mo	$140,999	$104	97
6808 Marble Rdg	0.05mi	3/2.5	1,360 (0%)	1mo	$143,999	$106	97
6820 Marble Rdg	0.04mi	3/2.5	1,360 (0%)	2mo	$146,999	$108	97
6832 Marble Rdg	0.04mi	3/2.5	1,360 (0%)	2mo	$169,999	$125	97
6630 Fiore Gdn	0.22mi	3/2.0	1,354 (-0%)	1mo	$188,999	$140	87
15102 Azzurro Stone	0.21mi	3/2.0	1,266 (-7%)	1mo	$177,999	$141	76
6725 Marble Rdg	0.06mi	3/2.5	1,189 (-13%)	0mo	$146,999	$124	76
6837 Chert Chase	0.06mi	3/2.0	1,192 (-12%)	0mo	$130,999	$110	74
6813 Chert Chase	0.05mi	3/2.0	1,192 (-12%)	1mo	$136,999	$115	74
15103 Azzurro Stone	0.11mi	4/2.0 (+1)	1,483 (+9%)	1mo	$177,999	$120	72
14805 Mudstone Pl	0.13mi	4/2.0 (+1)	1,483 (+9%)	1mo	$177,999	$120	71

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: -0.2%
• Equity multiple: 0.99×
• Total profit: $-507
• Equity at exit: $45,706

10-year hold

• IRR: 5.5%
• Equity multiple: 1.59×
• Total profit: $26,720
• Equity at exit: $53,887

Cash invested: $45,360 (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: 442
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $1,659 high
• Mortgage (P&I): −$850
• Tax est. 1.5%: −$202 /mo · $2,430/yr
• Insurance: −$67
• HOA: −$106
• Vacancy / Maint / Mgmt: −$348
• Net cashflow: $85

Break-even live

Break-even rent $1,551

Max offer price $161,999

Occupancy floor 90%

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: $40,500
• Closing costs: $4,860
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6933 Calcite Trl San Antonio, TX	4.0	2.0	1606	$1,695	$1.06	12d	1	0.24mi
6948 Calcite Trl San Antonio, TX	3.0	2.0	1440	$1,600	$1.11	1d	1	0.29mi
6933 Biotite Rdg San Antonio, TX	3.0	2.0	1125	$1,650	$1.47	10d	1	0.29mi
14606 Hackamore Way Elmendorf, TX	4.0	2.0	1699	$1,700	$1.00	14d	1	0.95mi
14606 Hackamore Way Elmendorf, TX	4.0	2.0	1696	$1,700	$1.00	1d	1	0.95mi
14651 Latigo Loop Elmendorf, TX	4.0	2.0	1696	$1,750	$1.03	1d	1	1.06mi
7663 Stud Dr Elmendorf, TX	3.0	2.0	1233	$1,600	$1.30	1d	1	1.09mi

HOA detail

• Monthly dues: $106 · $1,272/yr

Listing history 14 events

1. 2026-06-18
   days on market $161,999 Active 21 DOM
2. 2026-06-17
   days on market $161,999 Active 20 DOM
3. 2026-06-16
   days on market $161,999 Active 19 DOM
4. 2026-06-15
   days on market $161,999 Active 18 DOM
5. 2026-06-13
   days on market $161,999 Active 16 DOM
6. 2026-06-09
   days on market $161,999 Active 12 DOM
7. 2026-06-08
   statusdays on market $161,999 Active 11 DOM
8. 2026-06-07
   days on market $161,999 New 10 DOM
9. 2026-06-04
   days on market $161,999 New 7 DOM
10. 2026-06-03
    days on market $161,999 New 6 DOM
11. 2026-06-02
    days on market $161,999 New 5 DOM
12. 2026-06-01
    days on market $161,999 New 4 DOM
13. 2026-05-31
    days on market $161,999 New 3 DOM
14. 2026-05-28
    listed $161,999 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: $19,903
• − Mortgage interest: −$9,074
• − Property taxes: −$2,430
• − Insurance: −$810
• − Repairs & maintenance: −$1,592
• − Management: −$1,592
• − HOA: −$1,272
• − Depreciation: −$4,713
• Taxable loss: −$1,581
• Est. tax savings @ 24.0%: +$379
• After-tax cash flow: $1,396/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

Excellent 95/100 None rehab

This two-story home is move-in ready with excellent condition and a modern design. It offers a spacious open floorplan and three bedrooms, including a luxurious owner's suite. The home is set to be completed in September 2026 and is expected to be a great investment.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics.
• Resale Updating the kitchen backsplash — A fresh backsplash can add value and appeal to potential buyers.
• Both Adding smart home features — Smart home features can increase both resale and rental value by making the home more convenient and energy-efficient.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
• Resale Updating the kitchen backsplash — A fresh backsplash can add value and appeal to potential buyers. ↑
• Both Adding smart home features — Smart home features can increase both resale and rental value by making the home more convenient and energy-efficient. ↑

ⓘ 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 $161,999 LERA