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DSCR MARKET DATA · SAN ANTONIO, TX · 2026

San Antonio — Texas DSCR With Zero State Income Tax

$285K SFR · $1,820 rent · 0.64% R/P · DSCR 1.00–1.25 across 5 zones · zero state income tax · Texas property tax 2.1% is the structural cost.

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DSCR Market Data · San Antonio, TX · Texas

San Antonio, TX DSCR Market Snapshot · 2026 Q1

0.64%

R/P ratio

San Antonio MSA · all-property

1.12

Avg DSCR

Across 5 zones · 80% LTV / 7.5%

$285K

Median SFR price

Zillow ZHVI · 2026 Q1

$1,820

Median monthly rent

Zillow ZORI · 2026 Q1

CASH-FLOW-VALIDATED ZONES

San Antonio DSCR Neighborhoods That Pencil in 2026

Beacon Hill

ZIP 78212

$215K–$295K · DSCR 1.15–1.40 · Inner-ring walkable workforce

Tobin Hill

ZIP 78212

$245K–$335K · DSCR 1.10–1.35 · Pearl-adjacent revival

Schertz

ZIP 78154

$285K–$385K · DSCR 1.00–1.25 · NE suburb workforce family SFR

Converse

ZIP 78109

$245K–$325K · DSCR 1.10–1.35 · East suburb workforce SFR

Westwood Village

ZIP 78230

$255K–$345K · DSCR 1.05–1.30 · NW workforce SFR

WHY SAN ANTONIO WORKS

Why San Antonio for DSCR Investors

San Antonio's zero state income tax + military + healthcare employment (Lackland AFB, USAA, Methodist Healthcare) anchor stable tenancy. The structural cost is Texas property tax 2.1% effective — overcome by zero state income tax and after-tax cash-flow math.

  • Zero state income tax (Texas)
  • Military employment — Lackland AFB, Randolph AFB, Fort Sam Houston
  • USAA + Methodist Healthcare + Valero employment anchors
  • Five validated zones span $215K–$385K SFR
  • Population growth +1.6% YoY

San Antonio DSCR Market Data — read the full market intel →

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Clean files close in 21-30 days · 80% LTV purchase · 75% cash-out refi

HOW SAN ANTONIO COMPARES

How San Antonio Compares to Other Top-Tier DSCR Markets

San Antonio's R/P (0.64%) is tighter than Cleveland (0.94%) or Memphis (0.88%), and the 2.1% Texas property tax is a structural cost. The advantage is zero state income tax — after-tax DSCR yield ranks middle of the top 15.

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DATA SOURCES

Where This San Antonio DSCR Data Comes From

Median price + rent: Zillow ZHVI / ZORI 2026 Q1 (metro single-family series, reconciled against San Antonio Board of REALTORS MLS comps). R/P derived from Zillow + ATTOM Data. Vacancy from BLS CEW 2026 Q1. Property tax from Bexar County appraisal district. HUD FMR via huduser.gov. Last refreshed 2026-05-16.

Market data is informational only and does not constitute a loan offer. Verify all subject-property numbers via comparative market analysis before underwriting.

FREQUENTLY ASKED

San Antonio DSCR Lending Questions

San Antonio is a Texas DSCR market with zero state income tax and military + healthcare employment anchors. R/P 0.64% is tight and Texas property tax 2.1% is the structural cost — workforce-zone selection drives outcome.

Across the five validated zones, DSCR averages 1.12 at 80% LTV / 7.5%. Beacon Hill inner-ring walkable workforce pencils 1.15–1.40. Suburban workforce (Schertz, Converse) runs 1.00–1.35.

Yes — Beacon Hill (78212), Tobin Hill (78212), Schertz (78154), Converse (78109), Westwood Village (78230). Beacon Hill and Converse have the highest workforce-zone R/P.

San Antonio loan amounts typically $190K–$310K matched to San Antonio SFR inventory. 80% LTV purchase, 75% cash-out refi standard.

San Antonio's zero state income tax + 2.1% property tax math requires post-tax DSCR modeling. Run the DSCR calculator with Texas tax defaults baked in.

Homestead Capital Partners NMLS #2587985 | NEXA Mortgage, LLC NMLS #1660690 (DBA NEXA Lending)

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DSCR loans are business-purpose investor mortgages — not consumer mortgages. Terms, rates, and product availability depend on the lender, the property, and the borrower's qualifications. Nothing on this page is a commitment to lend. Verification, not guarantee.