155 Vilano Rd #G33Saint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 155 Vilano Rd #G33, Saint Augustine, FL, 32084 in Saint Augustine is capital appreciation. Rental yield 1.74%. The 1.74% gross yield at $1,659,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $458,351 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.32) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $78,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 6.0% |
| Monthly Cash Flow | $(8,609) | $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 | $10,349 |
| DSCR Ratio | 0.23x |
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: #240129
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.