1255 Ponce Island Dr APT F779St AugustineFL32095
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe 11.67% yield at 1255 Ponce Island Dr APT F779, St Augustine, FL, 32095 in St Augustine is solid, but the $800/mo payment compresses net cash flow to $80/mo at $177,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $49,150 by year five, and $1,638/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (2.16) without U.S. income documentation. Total projected return: $75,002.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $80 | $1,800 |
City averages based on St Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,730 |
| Total Monthly Debt Service | $1,580 |
| DSCR Ratio | 1.10x |
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.
Condo
Built in 1987
N/A lot
$N/A/sqft
$470 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
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
Condo
Built in 1987
N/A lot
$N/A/sqft
$470 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices