$625,000
Investment Summary
- Monthly Cash Flow
- -$1,889
- Cap Rate
- 2.6%
- Cash-on-Cash Return
- -15.8%
- Debt Coverage Ratio
- 0.42
- Internal Rate of Return (5 years)
- -11.3%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Property Description
Open houses scheduled:06/28/2025 from 1:00 PM to 3:00 PM Discover 725 E Magnolia Ave, a show-stopping 1935 bungalow in the heart of San Antonio's vibrant and highly sought-after River Road Historic District. Nestled on a quiet cul-de-sac and just moments from the city's most iconic destinations, this home is the perfect blend of historic charm and modern luxury-thoughtfully renovated with over $100,000 in updates while preserving the warmth and soul of its original architecture. From the moment you step inside, you'll be captivated by the home's nearly 2,000 sq ft of open-concept living space. Natural light pours through the windows, dancing across rich engineered wood floors and highlighting the elegant finishes throughout. At the heart of the home is a chef's kitchen, complete with granite countertops, a spacious island, gas cooktop, and custom cabinetry-designed to inspire both intimate meals and lively gatherings. The primary suite is a private retreat, offering dual vanities, a large walk-in shower, and a generous walk-in closet designed with everyday luxury in mind. Two additional bedrooms provide comfort and flexibility, while a versatile flex room offers endless possibilities-a home office, art studio, nursery, or guest space to match your needs and lifestyle. The home also includes a clever and stylish hidden laundry area, tucked behind a built-in bookcase-a charming design detail that blends seamlessly with the home's aesthetic. Major upgrades include a new roof installed in 2017, along with fully updated HVAC, plumbing, and electrical systems, ensuring peace of mind for years to come. Step outside and you'll find yourself surrounded by mature trees and a low-maintenance backyard oasis, ideal for relaxing, entertaining, or simply enjoying quiet evenings under the stars. The home also features ample off-street parking-a rare convenience in such a walkable, historic neighborhood. Location is everything, and this one truly delivers. Situated just minutes from The Pearl, Trinity University, the Japanese Tea Garden, the San Antonio Zoo, and the lively St. Mary's Strip (a local favorite for nightlife and LGBTQ+ culture), the home offers unbeatable access to the city's best shopping, dining, and outdoor recreation. Nearby parks and riverside trails provide endless opportunities for walking, biking, and soaking in the beauty of the neighborhood. Zoned in an area that supports short-term rental potential (buyer to verify), this home presents an exceptional opportunity for both investors and those looking to live in one of San Antonio's most treasured communities. For VA buyers, the loan is assumable-potentially at 3.5% rate, offering a rare financing advantage in today's market. (Terms subject to lender approval and buyer verification.) Whether you're seeking a stylish personal residence, an income-generating Airbnb, or a little of both-725 E Magnolia Ave delivers the total package: location, lifestyle, legacy, and long-term value. Don't miss your chance to own this timeless gem in the heart of it all. Note: Multicolored secondary bathroom Barn Door does not convey
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Location
Property Details
Parking
- Description: None/Not Applicable
- Garage Spaces: 0
- Spaces Total: 0
Bedroom Information
- # of Bedrooms: 3
Bathroom Information
- # of Baths (Full): 2
- # of Baths (Total): 2.0
Interior Features
- # of Rooms: 5
- # of Stories: 1
Exterior Features
- Exterior Walls Materials: Asbestos Shingle
- Roof Material: Composition, Metal
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 063910000050
- Lot Size: 0 sqft
Property Information
- Property Type: Single Family Residence
- Style: One Story
- Year Built: 1935
Tax Information
- Annual Tax: $10,004
Utilities
- Heating: Electric, Heat Pump
- Cooling: Ceiling Fan(s), Central Air
Location
- County: Bexar
Listing Details
Investment Summary
- Monthly Cash Flow
- -$1,889
- Cap Rate
- 2.6%
- Cash-on-Cash Return
- -15.8%
- Debt Coverage Ratio
- 0.42
- Internal Rate of Return (5 years)
- -11.3%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Purchase Details
Purchase PriceThe price paid for the property. Purchase price:
| $625,000 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$500,000 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $125,000 |
Closing CostsFees and expenses associated with purchasing a property, typically ranging from 2% to 5% of the home’s purchase price, paid at the end of a home purchase to cover services like lending, title transfer, and taxes. Closing costs:
| $18,750 |
Rehab CostsCosts incurred to repair or improve the property, including: roof, flooring, exterior siding, kitchen, exterior paint, bathrooms, etc. Rehab costs:
| $0 |
Initial Cash InvestedThe total initial cash invested in the property. Calculation:Down payment + Buying costs + Rehab costs Initial cash invested:
| $143,750 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 1,984 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $315 |
Monthly Rent Per Square FootMonthly rent divided by the number of square feet. This ratio helps investors compare rental income efficiency across properties, markets, and unit sizes Calculation:Monthly Rent / Square Feet Monthly rent per square foot:
| $1.61 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $500,000 |
|---|---|
Loan to Value Ratio (LTV)Loan amount divided by the market value of the property. Calculation:Loan Amount / Market Value
Loan to value ratio:
| 80.0% |
Loan TypeThe type of loan (e.g., fixed, adjustable).
Loan type:
| Amortizing |
TermThe loan repayment period in years.
Term:
| 30 years |
Interest RateThe percentage a lender charges on the borrowed amount of a loan, determining the cost of borrowing money.
Interest rate:
| 6.810% |
Principal & Interest (PI)The principal is the portion of the loan payment that reduces the loan balance. The interest is the lender's charge for borrowing money. Calculation:(P * r * (1 + r) ** n) / ((1 + r) ** n - 1) Where:
P = Loan amount (principal)
Principal & interest:
| $3,263 |
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
Property tax:
| $834 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified.
Insurance:
| $224 |
Private Mortgage Insurance (PMI)A fee that borrowers pay when they take out a conventional loan with a loan-to-value (LTV) ratio above 80%.
Private mortgage insurance (PMI):
| $0 |
Monthly PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. Monthly payment:
| $4,321 |
Operating Income
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Gross RentThe total rental income received from tenants before deducting any expenses. Includes base rent, late fees, pet fees, parking fees, and other recurring charges.
Gross rent:
| $3,200 | $38,400 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$192 | -$2,304 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $3,008 | $36,096 |
Operating Expenses
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services. | 26% | -$834 | -$10,005 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified. | 7% | -$224 | -$2,688 |
Property ManagementThe costs associated with hiring a property manager to handle the day-to-day operations of a rental property. Includes management fees, leasing fes, eviction fees, etc. Calculation:Assumes 8% of gross rental income. | 8% | -$256 | -$3,072 |
Repairs & MaintenanceOngoing costs for routine upkeep and minor fixes needed to keep a property in good working condition. Calculation:Assumes 5% of gross rental income. Varies by property age and condition. | 5% | -$160 | -$1,920 |
Capital ExpensesLarge, infrequent costs for major improvements or replacements, like a new roof, HVAC system, or appliances. Calculation:Assumes 5% of gross rental income. Varies by property age. | 5% | -$160 | -$1,920 |
HOA FeesRegular dues paid to a Homeowners Association for community maintenance, amenities, and management. Similar fees include: Condo Association Fees, Co-op Maintenance Fees, etc. | n/a | n/a | n/a |
Operating ExpensesRecurring costs required to maintain and manage a rental property, including property taxes, insurance, maintenance, repairs, utilities (if paid by the owner), property management fees, and other day-to-day expenses. Calculation:Insurance + Property Taxes + Property Management + Repairs & Maintenance + Capital Expenditures + HOA Fees | 51% | -$1,634 | -$19,605 |
Cash Flow
| Monthly | Yearly | |
|---|---|---|
Net Operating Income (NOI)The income generated from a property after deducting all operating expenses but before deducting mortgage payments, taxes, and capital expenditures. Calculation:Gross Operating Income - Operating Expenses
Net operating income:
| $1,374 | $16,488 |
Mortgage PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. | -$3,263 | -$39,156 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $1,889 | $22,668 |