12681 CACAO TREE TrailJacksonvilleFL32218
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 12681 CACAO TREE Trail, Jacksonville, FL, 32218 in Jacksonville: $2,730/mo in rent, $608/mo net, 10.47% gross yield, all on a $312,750 acquisition. The 1.94 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $86,407 in value, and $2,880/yr in principal paydown steadily builds equity. Projected total cumulative return: $158,559.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $608 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,730 |
| Total Monthly Debt Service | $1,998 |
| DSCR Ratio | 1.37x |
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 2023
5,662 sqft lot
$N/A/sqft
$31 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 2023
5,662 sqft lot
$N/A/sqft
$31 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
Listed by: HELEN M KIZER • BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
Mls Name: realMLS
Mls Provider:
Mls ID: #2069388
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by realMLS.