155 Vilano Rd #A2Saint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 155 Vilano Rd #A2, Saint Augustine, FL, 32084 in Saint Augustine fits: $1,414,000, 2.04% gross yield, and a projected 5% annual appreciation rate adding $390,662 in value within five years. Rental yield 2.04%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.38) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,023/yr in principal paydown and $390,662 in appreciation project a total return of $89,561.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 6.0% |
| Monthly Cash Flow | $(6,984) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $8,821 |
| DSCR Ratio | 0.27x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
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
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew Territo • Keller Williams St Augustine
Mls Name: St Augustine St Johns County BOR
Mls Provider:
Mls ID: #239754
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. Information is deemed reliable but not guaranteed. 2025 St Augustine & St. Johns County Board of REALTORS. All rights reserved.