19027 Encanto Aly · San Antonio, TX 78264

$190,999

3 bd · 2.0 ba · 1,402 sqft · SingleFamily · 15 Days on market

Built 2026 Excellent condition Est $215k · 11% under

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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 +12.4/15.0
• Appreciation +7.0/10.0
• DSCR +5.0/10.0
• Condition / age +4.8/5.0
• 1% rule +4.4/10.0
• Livability +4.0/5.0
• Schools +3.4/10.0
• Rent growth +2.5/5.0

Listing remarks

This single-level home showcases a spacious open floorplan shared between the kitchen, dining area and family room for easy entertaining during gatherings. An owner's suite enjoys a private location in a rear corner of the home, complemented by an en-suite bathroom and walk-in closet. There are two secondary bedrooms along the side of the home, which are comfortable spaces for household members and overnight guests.

Key facts

• Walk-in closet
• Open floorplan
• Secondary bedrooms

Tags

• OPEN FLOORPLAN
• OWNER'S SUITE
• EN-SUITE BATHROOM
• WALK-IN CLOSET
• SECONDARY BEDROOMS

Property features AI

Finance

• Other: Active listing; inventory type: Spec
• Financial info: List price $190,999

Exterior

• Parking: 2 total parking spaces; 2-car garage
• Home design: Single-family residence (new construction, Kitson plan)
• Exterior features: Living area approximately 1402; Address: 19027 Encanto Aly, San Antonio, TX 78264

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 bathrooms (2 full)
• Interior features: Spec new construction (Kitson plan)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $191k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $102 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $180k (5.8% below list).
• Recommended offer: $180k (5.8% below list) — sets the bar for 1% rule.
• 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: schools C-, crime F.
• Somerset ISD (rural): math 41% / reading 39% proficiency, ranked #417 of 826 in TX (top 50%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 359 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).

Forward outlook

• In year one you build about $9k of equity ($1k loan paydown + $8k appreciation (3.9% local appreciation)).
• Bexar County population projected at +50% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.9% appreciation + 3.0% rent growth), your $53k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 5, 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 15 days — a 2% lower offer ($188k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $180,000 (5.8% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 0.94% ✗
• Cap rate: 6.93%
• Cash-on-cash: 2.29%
• DSCR: 1.10
• GRM: 8.8

CMA / ARV

• ARV (on-the-fly): $214,506
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
19012 Encanto Aly	0.05mi	3/2.0	1,402 (0%)	1mo	$171,999	$123	97
3715 Garcia Grv	0.08mi	3/2.0	1,402 (0%)	2mo	$193,999	$138	95
3723 Garcia Grv	0.08mi	3/2.0	1,411 (+1%)	3mo	$215,999	$153	93
19008 Arco Aly	0.14mi	3/2.0	1,402 (0%)	13mo	$204,310	$146	83
4015 Garcia Grv	0.19mi	3/2.0	1,402 (0%)	14mo	$219,900	$157	79
19004 Arco Aly	0.14mi	3/2.0	1,459 (+4%)	13mo	$237,610	$163	76
4007 Garcia Grv	0.18mi	3/2.0	1,459 (+4%)	16mo	$219,900	$151	72
3727 Garcia Grv	0.08mi	3/2.0	1,600 (+14%)	2mo	$208,999	$131	71
19004 Encanto Aly	0.06mi	4/2.0 (+1)	1,575 (+12%)	1mo	$201,999	$128	71
19007 Arco Aly	0.17mi	3/2.0	1,248 (-11%)	11mo	$195,610	$157	64
3923 Garcia Grv	0.16mi	3/2.0	1,248 (-11%)	13mo	$206,845	$166	63
4011 Garcia Grv	0.19mi	3/2.0	1,248 (-11%)	15mo	$207,900	$167	61

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

Projected returns pro-forma

3.94% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 12.2%
• Equity multiple: 1.73×
• Total profit: $39,260
• Equity at exit: $96,227

10-year hold

• IRR: 13.7%
• Equity multiple: 3.23×
• Total profit: $119,175
• Equity at exit: $156,900

Cash invested: $53,480 (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 78264

• Home prices YoY: 1.3%
• Active inventory: 359
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,800 medium
• Mortgage (P&I): −$1,002
• Tax est. 1.5%: −$239 /mo · $2,865/yr
• Insurance: −$80
• HOA: −$0
• Vacancy / Maint / Mgmt: −$378
• Net cashflow: $102

Break-even live

Break-even rent $1,671

Max offer price $190,999

Occupancy floor 89%

Sensitivity live

Price	-10% $234	-5% $168	+0% $102	+5% $36	+10% $-30
Rent	-10% $-40	-5% $31	+0% $102	+5% $173	+10% $244
Rate	-1.0pp $198	-0.5pp $151	base $102	+0.5pp $53	+1.0pp $2

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: $47,750
• Closing costs: $5,730
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4206 April Breeze Unit 103 Von Ormy, TX	3.0	2.5	1832	$1,800	$0.98	21d	1	0.68mi

Listing history 13 events

1. 2026-06-21
   days on market $190,999 Active 15 DOM
2. 2026-06-21
   days on market $190,999 Active 14 DOM
3. 2026-06-18
   days on market $190,999 Active 12 DOM
4. 2026-06-17
   days on market $190,999 Active 11 DOM
5. 2026-06-16
   days on market $190,999 Active 10 DOM
6. 2026-06-15
   days on market $190,999 Active 9 DOM
7. 2026-06-15
   days on market $190,999 Active 8 DOM
8. 2026-06-13
   days on market $190,999 Active 7 DOM
9. 2026-06-12
   days on market $190,999 Active 6 DOM
10. 2026-06-09
    days on market $190,999 Active 3 DOM
11. 2026-06-08
    days on market $190,999 Active 2 DOM
12. 2026-06-07
    remarks 419-char remark
13. 2026-06-07
    listed $190,999 Active 1 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 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,600
• − Mortgage interest: −$10,699
• − Property taxes: −$2,865
• − Insurance: −$955
• − Repairs & maintenance: −$1,728
• − Management: −$1,728
• − Depreciation: −$5,556
• Taxable loss: −$1,931
• Est. tax savings @ 24.0%: +$463
• After-tax cash flow: $1,688/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 · 13 photos

Excellent 95/100 None rehab

This single-level home is in excellent condition with a spacious open floorplan and modern finishes. It is move-in ready and offers a great opportunity for both resale and rental value with minor updates.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics.
• Both Landscaping improvements — A well-maintained yard can increase both resale and rental value.
• Both Adding smart home features — Smart home features can improve convenience and attract tech-savvy buyers/renters.
• Both Upgrading appliances — Modern appliances can make the home more appealing to buyers and renters.
• Both Adding a smart thermostat — A smart thermostat can improve energy efficiency and comfort, attracting eco-conscious buyers/renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — A well-maintained yard can increase both resale and rental value. ↑
• Both Adding smart home features — Smart home features can improve convenience and attract tech-savvy buyers/renters. ↑
• Both Upgrading appliances — Modern appliances can make the home more appealing to buyers and renters. ↑
• Both Adding a smart thermostat — A smart thermostat can improve energy efficiency and comfort, attracting eco-conscious buyers/renters. ↑

ⓘ 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: Somerset ISD
• NCES district ID: 4840740
• Math proficiency: 41% ▬ 0.00%
• Reading proficiency: 39% ▲ 4.00%
• Median HH income: $44,712
• Composite: 34.01/100
• National rank: #5315
• State rank: #417 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): 11,702

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 (80%)
• Race & ethnicity: Hispanic / Latino 80% Two or more races 35% White 17% Black 2% Native American 1%
• Hispanic origin (detail): Mexican 73%
• Common ancestry: Lithuanian 1% Serbian 1% Greek 1%
• Foreign-born: 14% · Canada
• Languages at home: 48% English-only · Spanish 51% Tagalog/Filipino 0%

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: ▲ 3.94%
• Current HPI: 298.8446
• 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