Rank #1TownhomeCash Flow: $1,690/mo

3 bed / 3 bath · San Antonio

San Antonio, FL 33576 · Address on request

Every day feels like a staycation in this private, sun-filled townhome at Mirada Townhomes in San Antonio, Florida, a vibrant community featuring modern living near the stunning Mirada Lagoon. Enjoy easy access to outdoor recreation, a variety of amenities, and a swim-up bar to the lagoon, all within a thoughtfully designed townhome community. Whether you're seeking comfort, convenience, or a relaxing environment, Mirada Townhomes provides it all in a prime location. This spacious two-story townhome includes a loft and a one-car garage, providing plenty of room for all your needs. The open floor plan on the main level is perfect for entertaining, with a sleek and modern kitchen featuring quartz countertops, a kitchen backsplash, and a walk-in pantry. The kitchen flows seamlessly into the dining and living areas, where you'll find elegant EVP flooring, combining durability and style. The kitchen also includes a refrigerator, making it move-in ready. Upstairs, a loft area adds extra space for relaxation or work. You'll find three bedrooms, including a luxurious primary suite with a spa-like bathroom. The primary bath boasts an enclosed tiled shower, dual vanities, and a linen closet for storage and a modern touch. The second bath also features a tiled shower/tub combo with elegant finishes. Additionally, the upstairs includes a laundry room with a convenient included washer and dryer, as well as two linen closets for added storage. This home also comes fully equipped with blinds throughout, making it ready for everyday living. The townhome is enhanced with architectural shingles, adding durability and curb appeal to the exterior. Smart home features, including Keyless Entry, a Smart Home Panel, Video Doorbell, and Deako switches, provide added convenience and security. With the monthly HOA fee, enjoy additional perks such as cable, internet, lagoon access with guest passes, lawn care, and building exterior maintenance. Backed by a full builder warranty, this is the perfect place to call home, combining comfort and convenience. Just minutes from Mirada Lagoon, don’t miss your chance—schedule a tour today and experience everything Mirada Townhomes has in store!

Ask: $249,900
Offer: $248,100
Rent: $2,160/mo
Cash flow: $1,690/mo
After debt (50% dn): $865/mo
Mortgage (50% dn): $825/mo
Tax: $51/mo
HOA: $211/mo
Insurance: $208/mo
Beds / baths: 3 / 3
Sqft: 1,684
Year built: 2026
Lot: 2,070 sqft

Money Models

Summary of the various models

These numbers use a simple setup: you put half the price down and keep the property for 10 years. Each card is a different guess about how fast prices rise.

Cash left each month (half down)

$865/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 8.4% a year on the money you put in.

If you pay all cash

$1,690/mo

No mortgage payment. About 8.2% a year on the full purchase price.

Like the last 10 years

Uses how fast this type of property grew in Tampa over the past 10 years.

Worth in 10 years: $551,660
Rent leftovers stacked: $103,763
Rent + price growth: $424,923

Slow growth

Assumes prices go up slowly. Safer / more careful guess.

Worth in 10 years: $302,433
Rent leftovers stacked: $103,763
Rent + price growth: $175,695

Normal growth

A middle-of-the-road guess for the next several years.

Worth in 10 years: $367,249
Rent leftovers stacked: $103,763
Rent + price growth: $240,511

Fast growth

Assumes a strong market. Good case, not a promise.

Worth in 10 years: $465,718
Rent leftovers stacked: $103,763
Rent + price growth: $338,981

The sections below let you move the down payment and the years if you want. You already have the picture if you stop here.

Model 1

Cash-on-cash (your yearly paycheck %)

What is this in plain English?

Imagine you put some money down to buy the house. Every month, tenants pay rent. After you pay taxes, HOA, insurance, and the mortgage, whatever cash is left is your “paycheck” from the property.

Cash-on-cash answers: “If I put in $X, what % of that do I get back each year in leftover cash?” Example: put in $100,000 and get $8,000/year left over → 8% cash-on-cash.

Move the slider to change how much you put down (1% = mostly borrowed, 100% = you pay all cash and have no mortgage payment).

If you pay all cash

8.2%

You keep about $1,690/mo every month after bills

With this down payment

8.4%

50% down = $124,050 of your money

Cash left each month

$865/mo

After also paying the $825/mo mortgage

How much do you put down?50% · $124,050 · bank loan $124,050

1% down50%100% all cash

Open mortgage calculator with these numbers →

Model 2

Price growth (will the property be worth more?)

What is this in plain English?

Houses (and land) often cost more years later than they do today. That rise in price is called appreciation.

This model guesses: “If prices grow like ___, what is this property worth after 1 to 15 years?” It also tracks how much of the loan you’ve paid off, so you can see your equity (value minus what’s still owed to the bank).

Pick a growth speed below, then slide how many years you plan to hold. These are scenarios — not guarantees.

Modeled at ~88% of Tampa SFH HPI YoY (attached product between condo and detached). Forward rates between SFH and condo.

Last 1 year avg growth

-0.7% / yr

Last 5 years avg growth

9.1% / yr

Last 10 years avg growth

8.3% / yr

A middle-of-the-road guess for the next several years. Using 4.0% growth per year.

How many years do you keep it?10 years

1 yr8 yr15 yr

Estimated value then

$367,249

Your equity

$260,798

Still owe bank $106,450

Profit vs cash you put in

$240,511

Includes rent leftover + price growth

Avg return per year

11.4%

2.94× your cash back

Recent yearly price changes · Townhome

Model 3

Total return (rent + price growth together)

What is this in plain English?

Real estate can pay you in two ways at the same time:

Rent leftovers (like a dividend) — cash you collect each year after bills and the mortgage.
Price growth — the property becoming worth more than what you still owe, so your equity grows.

This model adds both over the years you chose above. That combined number is your estimated total return. Uses the same down payment and growth scenario from Models 1 and 2.

From rent (dividends)

$103,763

10 years of leftover cash stacked up

From price growth

$136,748

Equity today minus the cash you put in

Total return

$240,511

On $124,050 cash in · 11.4%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$10,376	$11,184	$21,560	17.4%
2	$20,753	$22,856	$43,609	16.3%
3	$31,129	$35,039	$66,168	15.3%
4	$41,505	$47,756	$89,261	14.5%
5	$51,882	$61,031	$112,913	13.8%
6	$62,258	$74,892	$137,150	13.2%
7	$72,634	$89,364	$161,998	12.7%
8	$83,010	$104,478	$187,488	12.2%
9	$93,387	$120,262	$213,648	11.8%
10	$103,763	$136,748	$240,511	11.4%
11	$114,139	$153,971	$268,110	11.0%
12	$124,516	$171,964	$296,479	10.7%
13	$134,892	$190,764	$325,656	10.4%
14	$145,268	$210,411	$355,679	10.1%
15	$155,645	$230,944	$386,588	9.9%

Tip: change the down-payment slider in Model 1 and the years / growth buttons in Model 2 — this total-return table updates automatically.