185 SAGE BRANCH StreetSaint AugustineFL32095
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 185 SAGE BRANCH Street, Saint Augustine, FL, 32095 in Saint Augustine deserves attention. This $237,990 property earns $3,182/mo in rent, a 16.05% gross yield, and nets $1,532/mo after the $1,070/mo payment. DSCR 2.97 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $65,752 compounds alongside $2,192/yr in yearly equity build, for a total cumulative return of $189,606.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.1% | 6.0% |
| Monthly Cash Flow | $1,532 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,182 |
| Total Monthly Debt Service | $1,556 |
| DSCR Ratio | 2.05x |
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 2024
N/A lot
$N/A/sqft
$213 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
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
$213 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices