19 SPINNEY LanePonte VedraFL32081
INVESTMENT ANALYSIS
Investment Verdict
Solid Income19 SPINNEY Lane, Ponte Vedra, FL, 32081 in Ponte Vedra is a solid income-producing rental, 9.93% gross yield, $4,128/mo rent, $817/mo net cash flow on a $499,000 buy. DSCR 1.84 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $137,865 and $4,596/yr in principal reduction project a total cumulative return of $242,711.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.0% |
| Monthly Cash Flow | $817 | $300 |
City averages based on Ponte Vedra market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,128 |
| Total Monthly Debt Service | $3,113 |
| DSCR Ratio | 1.33x |
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 2025
2,613 sqft 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 2025
2,613 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CRISTIE KARSTEN • KARSTEN REAL ESTATE TEAM
Mls Name: realMLS
Mls ID: #2111918