CashFlowRE
Sign in Sign up
12031 La Cuchilla
C Composite 55.6
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 +15.4/30.0
  • ARV discount +15.0/15.0
  • Schools +5.1/10.0
  • 1% rule +4.9/10.0
  • Condition / age +4.8/5.0
  • DSCR +4.7/10.0
  • Livability +4.0/5.0
  • Rent growth +1.7/5.0
  • Appreciation +0.0/10.0

$176,999

12031 La Cuchilla · San Antonio, TX 78245
3 bd · 2.0 ba · 1,360 sqft · SingleFamily · 97 Days on market
Built 2026 Excellent condition 4,791 sqft lot 1-car garage $130/sqft · 32% below area Est $262k · 32% under $90/mo HOA · 5% of rent ↓ 10% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

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.

Key facts

  • Luxe owner's suite
  • Open floorplan
  • En-suite bathroom

Tags

OPEN FLOORPLANCHEF-INSPIRED KITCHENLUXE OWNER'S SUITEEN-SUITE BATHROOMGENEROUS WALK-IN CLOSET

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $177k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $69 ($827/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 $175k (1.2% below list).
  • Recommended offer: $161k (9.0% below list) — sets the bar for market timing.
  • Cap rate 6.8% 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.
  • Medina Valley ISD (rural): math 48% / reading 53% proficiency, ranked #148 of 826 in TX (top 18%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Ladera El (756 students, 51% FRL); Medina Valley Middle (math 47% / reading 49%, grade C-, #400 of 1,662 statewide, top 24%, 1,029 students, 62% FRL); Medina Valley H S (math 34% / reading 55%, grade F, #652 of 1,632 statewide, top 43%, 2,147 students, 51% FRL) — zoned schools at 54% FRL track the district average.
  • Market conditions: Rents falling (-3.0%/yr); 1557 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 68d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
  • 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 97 days — a 9% lower offer ($161k) 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.
Recommended offer $161,069 (9.0% below list)

Questions for the listing agent

  1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  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. 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.
  7. 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.
  8. 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
0.99%
Cap rate
6.76%
Cash-on-cash
1.67%
DSCR
1.07
GRM
8.4

CMA / ARV

ARV (median comp)
$262,143
List price
$176,999
Delta
-32.48%
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
1117 Leicht Dr 0.20mi 3/2.0 1,354 (-0%) 0mo $268,249 $198 90
12212 Winding Oak Rdg 0.27mi 3/2.0 1,354 (-0%) 1mo $206,999 $153 86
12027 La Cuchilla 0.00mi 4/2.5 (+1) 1,535 (+13%) 0mo $207,999 $136 71
1127 Leicht Dr 0.20mi 3/2.0 1,213 (-11%) 2mo $267,999 $221 71
12043 La Cuchilla 0.00mi 4/2.5 (+1) 1,535 (+13%) 2mo $208,999 $136 70
1125 Leicht Dr 0.20mi 4/2.0 (+1) 1,483 (+9%) 2mo $285,999 $193 69
12228 Winding Oak Rdg 0.27mi 4/2.0 (+1) 1,483 (+9%) 2mo $217,999 $147 66
12318 Winding Oak Rdg 0.27mi 4/2.0 (+1) 1,483 (+9%) 3mo $217,999 $147 65
12109 La Cuchilla 0.20mi 4/2.5 (+1) 1,535 (+13%) 3mo $209,999 $137 60
12022 Stoney Blue 0.55mi 3/2.0 1,534 (+13%) 2mo $265,000 $173 51
8502 Green Bliss 0.61mi 4/2.5 (+1) 1,535 (+13%) 0mo $163,999 $107 43
8675 Green Bliss 0.61mi 4/2.5 (+1) 1,535 (+13%) 1mo $160,999 $105 42

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

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-17.3%
Equity multiple
0.41×
Total profit
$-29,340
Equity at exit
$26,391
10-year hold
IRR
-16.8%
Equity multiple
0.21×
Total profit
$-39,381
Equity at exit
$15,304

Cash invested: $49,560 (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.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
45 active · 85 under contract
Months of supply
3.3 mo (30%/mo absorbed)
Median asking
$249,990 ($174/sqft)
Median days on market
74 d
This list price
4% of active listings are priced below it
ARV vs active asking
+11.0% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 78245

Home prices YoY
-18.5%
Rents YoY
-3.0%
Active inventory
1557
Price-to-rent
8.4×

Monthly cashflow live

Estimated rent
$1,749 high interval (Pro) →
Mortgage (P&I)
$928
Tax est. 1.5%
$221 /mo · $2,655/yr
Insurance
$74
HOA
$90
Vacancy / Maint / Mgmt
$367
Net cashflow
$69

Break-even live

Break-even rent $1,662
Max offer price $176,999
Occupancy floor 91%

Sensitivity live

Price -10% $191 -5% $130 +0% $69 +5% $8 +10% $-53
Rent -10% $-69 -5% $0 +0% $69 +5% $138 +10% $207
Rate -1.0pp $158 -0.5pp $114 base $69 +0.5pp $23 +1.0pp $-24

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
$44,250
Closing costs
$5,310
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
12141 Pease Riv San Antonio, TX 3.0 2.0 1396 $1,595 $1.14 98d 1 0.26mi
12122 Pease Riv San Antonio, TX 3.0 2.0 1296 $1,650 $1.27 7d 1 0.28mi
12126 Sampson Crk San Antonio, TX 3.0 2.0 1489 $1,700 $1.14 70d 1 0.29mi
12118 Pease Riv San Antonio, TX 3.0 2.0 1540 $1,850 $1.20 108d 1 0.29mi
12110 Pease Riv San Antonio, TX 3.0 2.0 1540 $1,750 $1.14 4d 1 0.31mi
12226 Mulberry Crk San Antonio, TX 3.0 2.0 1540 $1,850 $1.20 10d 1 0.31mi
3434 Angus Xing San Antonio, TX 3.0 2.5 1698 $1,850 $1.09 67d 1 0.39mi
3319 Angus Xing San Antonio, TX 3.0 2.5 1700 $1,895 $1.11 7d 1 0.39mi
3319 Angus Xing San Antonio, TX 3.0 2.0 1700 $1,950 $1.15 74d 1 0.39mi
3447 Stoney Byu San Antonio, TX 3.0 2.5 1512 $1,750 $1.16 5d 1 0.41mi
3431 Stoney Byu San Antonio, TX 3.0 2.0 1179 $1,695 $1.44 4d 1 0.41mi
12010 Mulberry Crk Unit NA San Antonio, TX 3.0 2.0 1296 $1,700 $1.31 42d 1 0.45mi
3431 Stoney Knl San Antonio, TX 3.0 2.0 1179 $1,695 $1.44 28d 1 0.46mi
12202 Stoney Blue San Antonio, TX 3.0 2.0 1489 $1,600 $1.07 10d 1 0.50mi
11902 Mulberry Crk San Antonio, TX 3.0 2.0 1413 $1,647 $1.17 139d 1 0.52mi
11826 Mulberry Crk San Antonio, TX 3.0 2.0 1299 $1,650 $1.27 67d 1 0.54mi
3203 Onion Crk San Antonio, TX 3.0 2.0 1413 $1,750 $1.24 94d 1 0.54mi
3232 Onion Crk San Antonio, TX 3.0 2.0 1168 $1,495 $1.28 139d 1 0.55mi
3303 Mission Riv San Antonio, TX 3.0 2.0 1489 $1,850 $1.24 139d 1 0.57mi
3303 Mission Riv San Antonio, TX 3.0 2.0 1489 $1,850 $1.24 88d 1 0.57mi
3127 Keuka Park Dr San Antonio, TX 3.0 2.5 1698 $1,800 $1.06 88d 1 0.60mi
3202 Lamoka Lk San Antonio, TX 3.0 2.0 1534 $1,700 $1.11 7d 1 0.66mi
3111 Lamoka Lk San Antonio, TX 3.0 2.5 1509 $1,600 $1.06 139d 1 0.67mi
3111 Lamoka Lk San Antonio, TX 3.0 3.0 1508 $1,600 $1.06 97d 1 0.67mi
4615 Serpens San Antonio, TX 3.0 2.5 1747 $1,800 $1.03 119d 1 0.80mi
2840 Tengyc Bow San Antonio, TX 4.0 2.0 1704 $1,775 $1.04 140d 1 0.86mi
12918 Cygnus San Antonio, TX 3.0 2.0 1205 $1,600 $1.33 0d 1 0.88mi
12619 Corona Borealis San Antonio, TX 3.0 2.0 1211 $1,750 $1.45 10d 1 0.90mi
3107 Lindenwood Way San Antonio, TX 3.0 2.0 1396 $1,775 $1.27 10d 1 0.90mi
12627 Corona Borealis San Antonio, TX 3.0 2.0 1408 $1,680 $1.19 139d 1 0.91mi
12510 Galatea San Antonio, TX 3.0 2.0 1212 $1,525 $1.26 28d 1 0.92mi
5010 Jovian San Antonio, TX 3.0 2.0 1536 $1,900 $1.24 28d 1 0.92mi
12866 Cygnus San Antonio, TX 3.0 2.0 1414 $1,700 $1.20 70d 1 0.93mi
12866 Cygnus San Antonio, TX 3.0 2.0 1414 $1,700 $1.20 63d 1 0.93mi
12866 Cygnus San Antonio, TX 3.0 2.0 1414 $1,625 $1.15 43d 1 0.93mi
12843 Cygnus San Antonio, TX 3.0 2.0 1412 $1,800 $1.27 82d 1 0.95mi
12515 Antilia San Antonio, TX 3.0 2.0 1405 $1,650 $1.17 43d 1 0.95mi
12515 Antilia San Antonio, TX 3.0 2.0 1405 $1,650 $1.17 23d 1 0.95mi
4546 Longhorn Crst San Antonio, TX 4.0 2.0 1720 $2,200 $1.28 94d 1 0.96mi
12618 Galatea Unit 1626239P San Antonio, TX 3.0 2.0 1399 $3,652 $2.61 0d 1 0.98mi

Property features AI

Finance

HOA & community
Mandatory HOAHOA fee $270 quarterlyAssociation transfer fee $450

Exterior

Parking
1-car garage
Utilities
Water provided by SAWSSewer provided by SAWSGas supplied by UnigasElectricity supplied by CPCGarbage service by Frontier
Home design
New construction by LennarSiding and cement fiber exteriorComposition roofSlab foundation
Construction
Built new (approximate age 0)
Exterior features
Pool (community)Park/playground (community)Jogging trails (community)Other community amenities (see remarks)

Interior

Kitchen
Kitchen: 14 x 9Stove/RangeDishwasher
Bedrooms
Master bedroom on upper level with walk-in closet and full bathBedroom 2: 10 x 9Bedroom 3: 10 x 9Master bedroom: 14 x 10
Flooring
CarpetingVinyl flooring
Bathrooms
2 full bathroomsMaster bath with shower only and single vanity
Heating & cooling
Central heatingElectric and natural gas heatCentral air conditioning
Interior features
Open floor planBreakfast barUtility room insideLaundry roomWasher and dryer connectionsAll bedrooms on upper levelWalk-in closets1 living area
Laundry & utility
Laundry on upper levelWasher connectionDryer connection

Listing history 50 events

  1. 2026-08-25
    days on market $176,999 Active 97 DOM
  2. 2026-08-24
    days on market $176,999 Active 96 DOM
  3. 2026-08-23
    days on market $176,999 Active 95 DOM
  4. 2026-08-22
    days on market $176,999 Active 94 DOM
  5. 2026-08-21
    days on market $176,999 Active 93 DOM
  6. 2026-08-20
    days on market $176,999 Active 92 DOM
  7. 2026-08-19
    days on market $176,999 Active 91 DOM
  8. 2026-08-18
    days on market $176,999 Active 90 DOM
  9. 2026-08-17
    days on market $176,999 Active 89 DOM
  10. 2026-08-16
    days on market $176,999 Active 88 DOM
  11. 2026-08-15
    days on market $176,999 Active 87 DOM
  12. 2026-08-14
    days on market $176,999 Active 86 DOM
  13. 2026-08-13
    days on market $176,999 Active 85 DOM
  14. 2026-08-12
    days on market $176,999 Active 84 DOM
  15. 2026-08-11
    days on market $176,999 Active 83 DOM
  16. 2026-08-10
    days on market $176,999 Active 82 DOM
  17. 2026-08-09
    days on market $176,999 Active 81 DOM
  18. 2026-08-08
    days on market $176,999 Active 80 DOM
  19. 2026-08-06
    days on market $176,999 Active 78 DOM
  20. 2026-08-05
    days on market $176,999 Active 77 DOM
  21. 2026-08-04
    days on market $176,999 Active 76 DOM
  22. 2026-08-03
    days on market $176,999 Active 75 DOM
  23. 2026-07-31
    statusdays on market $176,999 Active 72 DOM
  24. 2026-07-30
    days on market $176,999 Price Change 70 DOM
  25. 2026-07-28
    days on market $176,999 Price Change 69 DOM
  26. 2026-07-26
    days on market $176,999 Price Change 67 DOM
  27. 2026-07-24
    days on market $176,999 Price Change 65 DOM
  28. 2026-07-23
    days on market $176,999 Price Change 64 DOM
  29. 2026-07-22
    days on market $176,999 Price Change 63 DOM
  30. 2026-07-21
    pricestatusdays on market $176,999 Price Change 62 DOM
  31. 2026-07-20
    days on market $196,999 Active 61 DOM
    Show marketing remark (323 chars)

    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.

  32. 2026-07-18
    days on market $196,999 Active 59 DOM
  33. 2026-07-18
    days on market $196,999 Active 58 DOM
  34. 2026-07-16
    days on market $196,999 Active 57 DOM
  35. 2026-07-15
    days on market $196,999 Active 56 DOM
  36. 2026-07-14
    days on market $196,999 Active 55 DOM
  37. 2026-07-13
    days on market $196,999 Active 54 DOM
  38. 2026-07-13
    days on market $196,999 Active 53 DOM
  39. 2026-07-11
    days on market $196,999 Active 52 DOM
  40. 2026-07-10
    days on market $196,999 Active 51 DOM
  41. 2026-07-09
    days on market $196,999 Active 50 DOM
  42. 2026-07-07
    days on market $196,999 Active 48 DOM
  43. 2026-07-06
    days on market $196,999 Active 47 DOM
  44. 2026-07-05
    days on market $196,999 Active 46 DOM
  45. 2026-07-03
    days on market $196,999 Active 44 DOM
  46. 2026-07-02
    days on market $196,999 Active 43 DOM
  47. 2026-07-01
    days on market $196,999 Active 42 DOM
  48. 2026-06-30
    days on market $196,999 Active 41 DOM
  49. 2026-06-29
    days on market $196,999 Active 40 DOM
  50. 2026-06-28
    days on market $196,999 Active 39 DOM

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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$20,994
− Mortgage interest
−$9,915
− Property taxes
−$2,655
− Insurance
−$885
− Repairs & maintenance
−$1,679
− Management
−$1,679
− HOA
−$1,080
− Depreciation
−$5,149
Taxable loss
−$2,049
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$492
After-tax cash flow
$1,318/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 · 25 photos

Excellent 95/100 None rehab

This two-story home is move-in ready with a modern design and excellent condition. It offers a spacious open floorplan, three bedrooms, and two bathrooms. The home is set to be completed in August 2026 and is expected to be a great investment for both resale and rental markets.

Value-add opportunities

  • Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics.
  • Both Updating the flooring in the bathrooms — Modern flooring can improve the look and feel of the bathrooms.
  • Both Upgrading the kitchen appliances — New appliances can increase the home's appeal and functionality.
  • Both Adding smart home features — Smart home features can increase convenience and add value to the home.
  • Both Landscaping improvements — Enhanced landscaping can improve curb appeal and add value to the home.
D Composite school gradezoned avg 50/100

Zoned Schools

Elementary Ladera El Middle Medina Valley Loma Alta Middle B TX #226/1,662 Nat'l #2,304/14,009 High Medina Valley H S F TX #652/1,632 Nat'l #6,890/17,239

Schools (NCES district)

District
Medina Valley ISD
NCES district ID
4830060
Math proficiency
48% ▼ -9.00%
Reading proficiency
53% ▼ -2.00%
Median HH income
$60,596
Composite
44.2/100
National rank
#2851
State rank
#148 of 826 in TX
A Composite livability gradescore 80/100

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

County
Bexar County · 2,336,851 people
City population
1,806,925
Metro
San Antonio-New Braunfels, TX
Population (ZIP)
96,015
Household income
$90,029
Rent vs Own
31.3% rent · 68.7% own
Severe rent burden
10% of renters

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
Majority Hispanic (64%)
Race & ethnicity
Hispanic / Latino 64% Two or more races 27% White 20% Black 9% Asian 2%
Hispanic origin (detail)
Mexican 53% Puerto Rican 2%
Common ancestry
Slovak 1% Lithuanian 1% Romanian 1%
Foreign-born
9% · Canada, Vietnam
Languages at home
66% English-only · Spanish 30% Arabic 1% 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

Price history

-10.2% since first listed
3 events — show timeline
  • 2026-07-21 Price Changed $176,999 LERA
  • 2026-07-20 Listed $176,999 Zillow
  • 2026-05-20 Listed $196,999 LERA

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…