12601 HERBLORE DriveJacksonvilleFL32225
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 12601 HERBLORE Drive, Jacksonville, FL, 32225 in Jacksonville: $2,840/mo in rent, $255/mo in net income, 8.81% gross yield, 1.63 DSCR, all at $387,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $106,921 in appreciation and $3,564/yr in principal paydown projects total cumulative return of $164,989.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $255 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,840 |
| Total Monthly Debt Service | $2,414 |
| DSCR Ratio | 1.18x |
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 1993
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32225, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,342 (100%) |
| Owner Occupied HU | 15,540 (66.6%) |
| Renter Occupied HU | 6,935 (29.7%) |
| Vacant Housing Units | 867 ( 3.7%) |
| Median Home Value | $386,319 |
| Average Home Value | $446,854 |
Housing Distribution
Address Breakdown
Residential
24,513
Single Family
18,918
Multi-Family
5,595
Businesses
1,380
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 1993
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32225, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,342 (100%) |
| Owner Occupied HU | 15,540 (66.6%) |
| Renter Occupied HU | 6,935 (29.7%) |
| Vacant Housing Units | 867 ( 3.7%) |
| Median Home Value | $386,319 |
| Average Home Value | $446,854 |
Housing Distribution
Address Breakdown
Residential
24,513
Single Family
18,918
Multi-Family
5,595
Businesses
1,380
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: realMLS
Mls ID: #2138614