124 CAPTAINS POINTE CircleSaint AugustineFL32086
INVESTMENT ANALYSIS
Investment Verdict
Solid Income124 CAPTAINS POINTE Circle, Saint Augustine, FL, 32086 in Saint Augustine earns a respectable 8.63% gross yield at $329,990, but after the $1,484/mo mortgage the net cash flow is $183/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.60) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $91,170 over five years, making equity the dominant return driver. Total projected return: $137,520.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $183 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,372 |
| Total Monthly Debt Service | $2,059 |
| DSCR Ratio | 1.15x |
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 1990
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32086, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,295 (100%) |
| Owner Occupied HU | 11,913 (73.1%) |
| Renter Occupied HU | 2,942 (18.1%) |
| Vacant Housing Units | 1,440 ( 8.8%) |
| Median Home Value | $463,641 |
| Average Home Value | $526,140 |
Housing Distribution
Address Breakdown
Residential
15,765
Single Family
14,243
Multi-Family
1,522
Businesses
1,131
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 1990
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32086, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,295 (100%) |
| Owner Occupied HU | 11,913 (73.1%) |
| Renter Occupied HU | 2,942 (18.1%) |
| Vacant Housing Units | 1,440 ( 8.8%) |
| Median Home Value | $463,641 |
| Average Home Value | $526,140 |
Housing Distribution
Address Breakdown
Residential
15,765
Single Family
14,243
Multi-Family
1,522
Businesses
1,131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: KAREN B GIANNINI • EXP REALTY, LLC
Mls Name: realMLS
Mls ID: #2108494