112 OYSTER BAY WayPonte VedraFL32081
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 112 OYSTER BAY Way, Ponte Vedra, FL, 32081 in Ponte Vedra achieves a 1.53 ratio at $555,000: $3,830/mo rent versus $2,496/mo debt service. Rental yield 8.28%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.28% yield compounds alongside 5% annual appreciation projecting $153,336 in value. Total projected cumulative return: $157,564.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $(909) | $300 |
City averages based on Ponte Vedra market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,830 |
| Total Monthly Debt Service | $4,519 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 2008
3,049 sqft lot
$N/A/sqft
$2,726 quarterly HOA
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
Townhouse
Built in 2008
3,049 sqft lot
$N/A/sqft
$2,726 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: FELICIA FARRELL • COLDWELL BANKER VANGUARD REALTY
Mls Name: realMLS
Mls Provider:
Mls ID: #2131476
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by realMLS.