10076 RIVER OAK CircleGlen Saint MaryFL32040
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 10076 RIVER OAK Circle, Glen Saint Mary, FL, 32040 in Glen Saint Mary: $1,912/mo in rent, $1,050/mo net, 17.66% gross yield, all on a $129,900 acquisition. The 3.27 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $35,889 in value, and $1,196/yr in principal paydown steadily builds equity. Projected total cumulative return: $117,092.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.7% | 6.0% |
| Monthly Cash Flow | $1,050 | $400 |
City averages based on Glen Saint Mary market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,912 |
| Total Monthly Debt Service | $810 |
| DSCR Ratio | 2.36x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1964
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32040, Glen Saint Mary, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,255 (100%) |
| Owner Occupied HU | 2,572 (79.0%) |
| Renter Occupied HU | 478 (14.7%) |
| Vacant Housing Units | 205 ( 6.3%) |
| Median Home Value | $274,365 |
| Average Home Value | $342,029 |
Housing Distribution
Address Breakdown
Residential
2,995
Single Family
2,995
Multi-Family
0
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1964
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32040, Glen Saint Mary, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,255 (100%) |
| Owner Occupied HU | 2,572 (79.0%) |
| Renter Occupied HU | 478 (14.7%) |
| Vacant Housing Units | 205 ( 6.3%) |
| Median Home Value | $274,365 |
| Average Home Value | $342,029 |
Housing Distribution
Address Breakdown
Residential
2,995
Single Family
2,995
Multi-Family
0
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices