119 Lawton St · San Antonio, TX 78237

$189,900

2 bd · 2.5 ba · 1,200 sqft · SingleFamily · 209 Days on market

Built 2025 3,092 sqft lot ↓ 5% since listing

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Why this score? — see what drove the D- 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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +6.8/30.0
• Rent growth +4.0/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• 1% rule +1.8/10.0
• Schools +1.3/10.0
• DSCR +1.0/10.0

Listing remarks

Brand new construction featuring 1,200 sq ft of modern living space. This thoughtfully designed home offers an open-concept living and dining area on the main level, complete with a convenient half bath perfect for everyday living and entertaining. The kitchen features sleek quartz countertops, recessed LED lighting, and contemporary fixtures, creating a bright and stylish atmosphere. Upstairs, you'll find 2 spacious bedrooms, each with its own full ensuite bathroom, providing comfort and privacy. With its modern finishes, efficient layout, and brand-new systems, this home offers low-maintenance living in a fresh, contemporary setting. An excellent opportunity for first-time homebuyers, thi

Key facts

• Move-in ready
• Quality construction
• Modern design

Tags

• SLEEK QUARTZ COUNTERTOPS
• RECESSED LED LIGHTING
• FULL ENSUITE BATHROOM
• QUALITY CONSTRUCTION
• MODERN DESIGN
• MOVE-IN READY

Property features AI

Finance

• Financial info: Down payment assistance resources available
• HOA & community: Subdivision: Los Jardines

Exterior

• Utilities: Electric service: CPS; Water service: SAWS; Sewer: City; Garbage service: City
• Home design: New construction; Approximate age: 0
• Construction: Slab foundation; Composition roof; Built by Richard Polendo
• Exterior features: Cement fiber exterior

Interior

• Kitchen: Stove/Range; Disposal
• Bedrooms: Primary bedroom on upper level (approx. 14 x 11); Second bedroom (approx. 11 x 10)
• Flooring: Laminate flooring
• Bathrooms: 2 full baths, 1 half bath; Primary bath with shower only (approx. 8 x 5)
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Living/dining room combination; All window coverings remain; Washer and dryer connections; Garbage disposal
• Laundry & utility: Washer connection; Dryer connection

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $-299 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $147k (22.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $128k (32.5% below list).
• Recommended offer: $128k (32.5% below list) — sets the bar for 1% rule.

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.
• Edgewood ISD (urban): math 12% / reading 21% proficiency, ranked #812 of 826 in TX (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+6.1%/yr); 127 active listings in the ZIP; lower-income renter base — watch delinquency; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 36% of the median local income ($43k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $20k of equity ($1k loan paydown + $19k 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 ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 209 days — a 12% lower offer ($167k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% 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 $128,225 (32.5% 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 209 days. Have you received any prior offers? Is the seller open to a 32% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.68% ✗
• Cap rate: 4.40%
• Cash-on-cash: -6.76%
• DSCR: 0.70
• GRM: 12.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 6.13% rent growth · sell at horizon

5-year hold

• IRR: 20.4%
• Equity multiple: 2.67×
• Total profit: $88,541
• Equity at exit: $171,077

10-year hold

• IRR: 19.2%
• Equity multiple: 6.37×
• Total profit: $285,359
• Equity at exit: $368,934

Cash invested: $53,172 (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 78237

• Home prices YoY: 14.1%
• Rents YoY: 6.1%
• Active inventory: 127
• Price-to-rent: 12.3×

Monthly cashflow live

• Estimated rent: $1,282 medium
• Mortgage (P&I): −$996
• Tax est. 1.5%: −$237 /mo · $2,848/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$269
• Net cashflow: $-299

Break-even live

Break-even rent $1,661

Max offer price $146,579

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-18
   days on market $189,900 Active 209 DOM
2. 2026-06-17
   days on market $189,900 Active 208 DOM
3. 2026-06-16
   days on market $189,900 Active 207 DOM
4. 2026-06-15
   days on market $189,900 Active 206 DOM
5. 2026-06-13
   days on market $189,900 Active 204 DOM
6. 2026-06-12
   days on market $189,900 Active 203 DOM
7. 2026-06-09
   days on market $189,900 Active 200 DOM
8. 2026-06-08
   days on market $189,900 Active 199 DOM
9. 2026-06-08
   days on market $189,900 Active 198 DOM
10. 2026-06-07
    days on market $189,900 Active 197 DOM
11. 2026-06-03
    days on market $189,900 Active 194 DOM
12. 2026-06-02
    days on market $189,900 Active 193 DOM
13. 2026-06-01
    days on market $189,900 Active 192 DOM
14. 2026-05-31
    remarks 699-char remark
15. 2026-05-31
    listed $189,900 Active 191 DOM

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,387
• − Mortgage interest: −$10,637
• − Property taxes: −$2,848
• − Insurance: −$950
• − Repairs & maintenance: −$1,231
• − Management: −$1,231
• − Depreciation: −$5,524
• Taxable loss: −$7,035
• Est. tax savings @ 24.0%: +$1,688
• After-tax cash flow: $-1,904/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: Edgewood ISD
• NCES district ID: 4818150
• Math proficiency: 12% ▼ -18.00%
• Reading proficiency: 21% ▼ -5.00%
• Median HH income: $27,419
• Composite: 12.82/100
• National rank: #9597
• State rank: #812 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): 37,379
• Household income: $42,772
• Rent vs Own: 38.7% rent · 61.3% own
• Severe rent burden: 1185.0

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 (95%)
• Race & ethnicity: Hispanic / Latino 95% Two or more races 50% White 3% Native American 2% Black 2%
• Hispanic origin (detail): Mexican 84%
• Foreign-born: 18% · Canada
• Languages at home: 34% English-only · Spanish 66%

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: ▲ 30.52%
• Current HPI: 247.7257
• Rent YoY: ▲ 6.13%
• 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

-5.0% since first listed

3 events — show timeline

• 2026-04-16 Price Changed $189,900 LERA
• 2026-04-15 Price Changed $197,500 LERA
• 2025-11-21 Listed $199,900 LERA