14425 SPRING LIGHT CircleJacksonvilleFL32226
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 14425 SPRING LIGHT Circle, Jacksonville, FL, 32226 in Jacksonville at $360,000 earns $2,533/mo in rent and nets $75/mo after the $1,619/mo payment, a 8.44% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $99,461 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $3,316/yr in principal paydown, total projected return reaches $142,311.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $75 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,533 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.09x |
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 2020
8,712 sqft lot
$N/A/sqft
$160 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32226, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,333 (100%) |
| Owner Occupied HU | 6,958 (83.5%) |
| Renter Occupied HU | 1,068 (12.8%) |
| Vacant Housing Units | 307 ( 3.7%) |
| Median Home Value | $414,621 |
| Average Home Value | $485,640 |
Housing Distribution
Address Breakdown
Residential
8,442
Single Family
8,442
Multi-Family
0
Businesses
616
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 2020
8,712 sqft lot
$N/A/sqft
$160 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32226, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,333 (100%) |
| Owner Occupied HU | 6,958 (83.5%) |
| Renter Occupied HU | 1,068 (12.8%) |
| Vacant Housing Units | 307 ( 3.7%) |
| Median Home Value | $414,621 |
| Average Home Value | $485,640 |
Housing Distribution
Address Breakdown
Residential
8,442
Single Family
8,442
Multi-Family
0
Businesses
616
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices