177 ORIENT DriveSaint AugustineFL32092
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 177 ORIENT Drive, Saint Augustine, FL, 32092 in Saint Augustine at $415,000 earns $2,854/mo in rent and nets $100/mo after the $1,866/mo payment, a 8.25% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $114,657 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $3,822/yr in principal paydown, total projected return reaches $164,643.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $100 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,854 |
| Total Monthly Debt Service | $2,589 |
| DSCR Ratio | 1.10x |
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 2018
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32092, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,237 (100%) |
| Owner Occupied HU | 19,388 (80.0%) |
| Renter Occupied HU | 2,898 (12.0%) |
| Vacant Housing Units | 1,951 ( 8.0%) |
| Median Home Value | $551,045 |
| Average Home Value | $590,393 |
Housing Distribution
Address Breakdown
Residential
21,437
Single Family
19,179
Multi-Family
2,258
Businesses
544
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 2018
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32092, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,237 (100%) |
| Owner Occupied HU | 19,388 (80.0%) |
| Renter Occupied HU | 2,898 (12.0%) |
| Vacant Housing Units | 1,951 ( 8.0%) |
| Median Home Value | $551,045 |
| Average Home Value | $590,393 |
Housing Distribution
Address Breakdown
Residential
21,437
Single Family
19,179
Multi-Family
2,258
Businesses
544
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JASON HARTLEY PA • HERRON REAL ESTATE LLC
Mls Name: realMLS
Mls ID: #2092309