12458 RUBBER FIG TerraceJacksonvilleFL32218
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 12458 RUBBER FIG Terrace, Jacksonville, FL, 32218 in Jacksonville at $308,990 earns $2,243/mo in rent and nets $181/mo after the $1,389/mo payment, a 8.71% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $85,368 over five years. Ziffy Mortgage underwrites this on a 1.61 DSCR without U.S. credit history. With $2,846/yr in principal paydown, total projected return reaches $129,532.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.2% |
| Monthly Cash Flow | $181 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,243 |
| Total Monthly Debt Service | $1,939 |
| DSCR Ratio | 1.16x |
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 2024
N/A lot
$N/A/sqft
$35 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32218, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,698 (100%) |
| Owner Occupied HU | 19,178 (60.5%) |
| Renter Occupied HU | 10,177 (32.1%) |
| Vacant Housing Units | 2,343 ( 7.4%) |
| Median Home Value | $324,304 |
| Average Home Value | $349,279 |
Housing Distribution
Address Breakdown
Residential
30,067
Single Family
26,020
Multi-Family
4,047
Businesses
1,464
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 2024
N/A lot
$N/A/sqft
$35 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32218, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,698 (100%) |
| Owner Occupied HU | 19,178 (60.5%) |
| Renter Occupied HU | 10,177 (32.1%) |
| Vacant Housing Units | 2,343 ( 7.4%) |
| Median Home Value | $324,304 |
| Average Home Value | $349,279 |
Housing Distribution
Address Breakdown
Residential
30,067
Single Family
26,020
Multi-Family
4,047
Businesses
1,464
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices