12536 RUBBER FIG TerraceJacksonvilleFL32218
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 12536 RUBBER FIG Terrace, Jacksonville, FL, 32218 in Jacksonville. Priced at $304,990, it generates $2,774/mo in gross rent and $739/mo in net monthly cash flow, a 10.92% yield that comfortably supports the 2.02 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,865. Five-year appreciation: $84,263. Equity from principal paydown: $2,809/yr. Total projected cumulative return: $163,883.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $739 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,774 |
| Total Monthly Debt Service | $1,914 |
| DSCR Ratio | 1.45x |
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