20 GOOD HARBOR PlaceAugustineFL32092
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.14% yield at 20 GOOD HARBOR Place, Augustine, FL, 32092 in Augustine is solid, but the $2,358/mo payment compresses net cash flow to $78/mo at $524,330. 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 $144,863 by year five, and $4,829/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.51) without U.S. income documentation. Total projected return: $204,876.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $78 | $1,200 |
City averages based on Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,558 |
| Total Monthly Debt Service | $3,271 |
| DSCR Ratio | 1.09x |
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 2025
7,840 sqft 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 2025
7,840 sqft 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