1665 VINELAND Circle #DFleming IslandFL32003
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe 10.12% yield at 1665 VINELAND Circle #D, Fleming Island, FL, 32003 in Fleming Island is solid, but the $1,102/mo payment compresses net cash flow to $140/mo at $245,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $67,689 by year five, and $2,256/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.87) without U.S. income documentation. Total projected return: $121,720.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $140 | $300 |
City averages based on Fleming Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,066 |
| Total Monthly Debt Service | $1,528 |
| DSCR Ratio | 1.35x |
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.
Townhouse
Built in 2006
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32003, Orange Park, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,912 (100%) |
| Owner Occupied HU | 8,940 (75.1%) |
| Renter Occupied HU | 2,408 (20.2%) |
| Vacant Housing Units | 564 ( 4.7%) |
| Median Home Value | $432,265 |
| Average Home Value | $470,615 |
Housing Distribution
Address Breakdown
Residential
11,387
Single Family
9,618
Multi-Family
1,769
Businesses
531
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 2006
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32003, Orange Park, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,912 (100%) |
| Owner Occupied HU | 8,940 (75.1%) |
| Renter Occupied HU | 2,408 (20.2%) |
| Vacant Housing Units | 564 ( 4.7%) |
| Median Home Value | $432,265 |
| Average Home Value | $470,615 |
Housing Distribution
Address Breakdown
Residential
11,387
Single Family
9,618
Multi-Family
1,769
Businesses
531
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: realMLS
Mls ID: #2121857