157 Kaine · San Antonio, TX 78214

$100,000

3 bd · 1.0 ba · 1,068 sqft · SingleFamily public records · 20 Days on market

Built 1942 6,359 sqft lot Est $152k · 34% under

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Why this score? — see what drove the B 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 +28.8/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.4/10.0
• Appreciation +0.0/10.0

Listing remarks

* * Multiple Offers deadline is Monday April 6th @6:00 pm * * This one-story fixer-upper is full of character and opportunity, perfect for investors adding to their portfolio or buyers ready to make it their own. Featuring 3 bedrooms and 1 bath, this home still showcases its original charm with beautiful hardwood floors and unique details throughout. The layout includes an enclosed sunroom, ideal for additional living space, plus extra storage for added convenience. Situated on a spacious lot, the property offers both a two-car garage and an additional two-car carport-plenty of room for parking and projects. The home also includes solar panels, offering added energy efficiency and long-t

Key facts

• Enclosed sunroom
• Extra storage
• Two-car carport

Tags

• HARDWOOD FLOORS
• ENCLOSED SUNROOM
• EXTRA STORAGE
• TWO-CAR GARAGE
• TWO-CAR CARPORT
• SOLAR PANELS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $338 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $98k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.3% 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: crime F.
• San Antonio ISD (urban): math 12% / reading 22% proficiency, ranked #805 of 826 in TX (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Collins Garden El (math 8% / reading 12%, grade F, #4,259 of 4,322 statewide, top 99%, 426 students, 95% FRL); Burbank H S (math 9% / reading 20%, grade F, #1,522 of 1,632 statewide, top 94%, 1,319 students, 90% FRL, charter).
• Market conditions: 151 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 8,308 units permitted in Bexar County in 2024 (2,506 in 5+ unit buildings).
• This rent runs 37% of the median local income ($45k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($98k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1942 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $98,500 (1.5% below list)

Questions for the listing agent

1. Built in 1942 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 1.39% ✓
• Cap rate: 10.34%
• Cash-on-cash: 14.47%
• DSCR: 1.64
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $151,656
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
157 Kaine	0.00mi	3/1.0	1,068 (0%)	0mo	$100,000	$94	100
112 W Hart	0.40mi	3/1.0	1,078 (+1%)	3mo	$105,000	$97	77
611 Rochambeau	0.32mi	3/2.0	1,060 (-1%)	6mo	$119,500	$113	74
406 Weinberg Ave	0.06mi	3/2.0	1,200 (+12%)	2mo	$214,999	$179	71
226 W Sayers	0.62mi	3/2.0	1,068 (0%)	2mo	$224,900	$211	66
531 Cottonwood	0.60mi	3/1.0	1,044 (-2%)	5mo	$233,000	$223	65
213 W Hart	0.21mi	3/1.0	1,200 (+12%)	8mo	$128,000	$107	63
139 Cottonwood Ave	0.33mi	3/2.0	1,162 (+9%)	9mo	$164,900	$142	58
606 Cottonwood	0.65mi	2/1.5 (-1)	1,049 (-2%)	4mo	$85,000	$81	57
807 Eldorado	0.74mi	3/1.0	1,128 (+6%)	1mo	$160,000	$142	55
815 Flanders	0.72mi	2/1.5 (-1)	1,024 (-4%)	7mo	$165,000	$161	47
622 Gladstone	0.58mi	3/1.0	912 (-15%)	10mo	$89,900	$99	40

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 4.9%
• Equity multiple: 1.19×
• Total profit: $5,356
• Equity at exit: $14,910

10-year hold

• IRR: 14.4%
• Equity multiple: 2.16×
• Total profit: $32,602
• Equity at exit: $8,646

Cash invested: $28,000 (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 78214

• Home prices YoY: -4.6%
• Active inventory: 151
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,389 high
• Mortgage (P&I): −$524
• Tax from tax record: −$194 /mo · $2,328/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$292
• Net cashflow: $338

Break-even live

Break-even rent $962

Max offer price $100,000

Occupancy floor 71%

Sensitivity live

Price	-10% $394	-5% $366	+0% $338	+5% $309	+10% $281
Rent	-10% $228	-5% $283	+0% $338	+5% $392	+10% $447
Rate	-1.0pp $388	-0.5pp $363	base $338	+0.5pp $312	+1.0pp $285

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
161 Kaine St San Antonio, TX	3.0	1.0	1000	$1,450	$1.45	19d	1	0.02mi
134 Gladstone St San Antonio, TX	2.0	1.0	1407	$1,000	$0.71	12d	1	0.08mi
114 Teresa San Antonio, TX	3.0	1.0	984	$1,450	$1.47	25d	1	0.28mi
415 Chalmers Ave San Antonio, TX	2.0	1.0	1340	$1,200	$0.90	25d	1	0.29mi
575 Division Ave San Antonio, TX	3.0	1.5	1362	$1,950	$1.43	19d	1	0.30mi
503 W Hart Ave San Antonio, TX	3.0	1.0	1232	$1,750	$1.42	12d	1	0.32mi
154 Octavia Pl San Antonio, TX	4.0	2.0	1468	$1,650	$1.12	17d	1	0.48mi
131 Elsie Unit 301 San Antonio, TX	2.0	1.0	950	$795	$0.84	5d	1	0.55mi
108 Beatrice Ave Unit 101 San Antonio, TX	4.0	2.0	1232	$1,545	$1.25	45d	1	0.57mi
108 Beatrice Ave Unit 102 San Antonio, TX	3.0	1.0	828	$1,345	$1.62	45d	1	0.57mi
326 Stonewall St San Antonio, TX	3.0	1.0	1080	$1,200	$1.11	25d	1	0.65mi
834 Division Ave Unit 2 San Antonio, TX	2.0	1.0	936	$950	$1.01	5d	1	0.71mi
834 Division Ave San Antonio, TX	2.0	1.0	700	$1,050	$1.50	25d	1	0.71mi
607 Brunswick Blvd San Antonio, TX	3.0	2.0	1350	$1,750	$1.30	45d	1	0.73mi
611 Brunswick Blvd San Antonio, TX	3.0	2.0	1080	$1,700	$1.57	16d	1	0.73mi
611 Brunswick Blvd San Antonio, TX	3.0	2.0	1080	$1,700	$1.57	25d	1	0.73mi
616 Sims Ave San Antonio, TX	3.0	1.0	1148	$875	$0.76	45d	1	0.83mi
815 Ripford St San Antonio, TX	2.0	1.0	728	$1,300	$1.79	5d	1	0.92mi
323 W Mitchell St San Antonio, TX	1.0–3.0	1.0–2.0	873	$1,449	$1.66	0d	1	1.04mi
139 Bristol Ave San Antonio, TX	3.0	1.0	1428	$1,500	$1.05	17d	1	1.06mi
439 W Lubbock St San Antonio, TX	4.0	2.0	1288	$1,620	$1.26	4d	1	1.07mi
439 W Lubbock St San Antonio, TX	4.0	2.0	1288	$1,635	$1.27	25d	1	1.07mi
909 Sims Ave San Antonio, TX	4.0	2.0	1400	$1,750	$1.25	25d	1	1.09mi
150 Hearne San Antonio, TX	2.0	1.0	1044	$1,400	$1.34	25d	1	1.12mi
438 Pruitt Ave #1 San Antonio, TX	2.0	1.0	980	$1,245	$1.27	45d	1	1.15mi
1222 Brighton Ave Unit B San Antonio, TX	3.0	1.0	725	$999	$1.38	0d	1	1.15mi
1222 Brighton Ave Unit B San Antonio, TX	3.0	1.0	725	$999	$1.38	19d	1	1.15mi
2600 S Flores St San Antonio, TX	2.0	1.0	705	$900	$1.28	25d	3	1.17mi
222 E Mitchell St San Antonio, TX	1.0–2.0	1.0–2.0	954	$1,825	$1.91	0d	17	1.21mi
155 Oelkers San Antonio, TX	4.0	3.0	1500	$2,750	$1.83	4d	1	1.26mi
120 Bank St San Antonio, TX	3.0	2.0	1035	$1,495	$1.44	45d	1	1.30mi
120 Bank St San Antonio, TX	3.0	2.0	1035	$1,450	$1.40	21d	1	1.30mi
1130 Sims Ave San Antonio, TX	3.0	2.0	1206	$1,300	$1.08	25d	1	1.31mi
271 Oelkers San Antonio, TX	4.0	2.0	1270	$1,795	$1.41	25d	1	1.31mi
242 Drake Ave Unit 242 San Antonio, TX	3.0	2.0	1472	$1,700	$1.15	45d	1	1.32mi
329 Taft Blvd San Antonio, TX	2.0	2.0	862	$2,200	$2.55	0d	1	1.34mi
410 N Park Blvd San Antonio, TX	3.0	2.0	1326	$1,650	$1.24	45d	1	1.36mi
271 E Lambert St San Antonio, TX	3.0	1.0	950	$1,250	$1.32	21d	1	1.37mi
304 Terrell Ave San Antonio, TX	4.0	2.0	1203	$1,500	$1.25	25d	1	1.39mi
222 Glass Ave San Antonio, TX	2.0	2.0	1007	$2,400	$2.38	45d	1	1.39mi

Listing history 3 events

1. 2026-04-21
   status Pending
2. 2026-04-08
   historical Active Option
3. 2026-04-01
   listed $100,000 New

ⓘ 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: $2,328 · $194/mo
• Projected year-2 tax: $2,328 · $194/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 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 21 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,672
• − Mortgage interest: −$5,602
• − Property taxes: −$2,328
• − Insurance: −$500
• − Repairs & maintenance: −$1,334
• − Management: −$1,334
• − Depreciation: −$2,909
• Taxable income: $2,666
• Est. tax owed @ 24.0%: −$640
• After-tax cash flow: $3,410/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: San Antonio ISD
• NCES district ID: 4838730
• Math proficiency: 12% ▼ -21.00%
• Reading proficiency: 22% ▼ -7.00%
• Median HH income: $30,952
• Composite: 13.57/100
• National rank: #9512
• State rank: #805 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): 22,118
• Household income: $44,902
• Rent vs Own: 43.5% rent · 56.5% own
• Severe rent burden: 842.0

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 (87%)
• Race & ethnicity: Hispanic / Latino 87% Two or more races 24% White 11%
• Hispanic origin (detail): Mexican 71%
• Common ancestry: Lithuanian 1% Romanian 1%
• Foreign-born: 13% · Canada
• Languages at home: 46% English-only · Spanish 54%

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: ▼ -12.02%
• Current HPI: 247.2716
• Rent YoY: —
• 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

3 events — show timeline

• 2026-04-21 Pending — LERA
• 2026-04-08 Contingent — LERA
• 2026-04-01 Listed $100,000 LERA

Property tax history

+6.0%/yr

Latest (2025): $2,328 · +10.0% YoY. Source: county tax records.