2009 Plan, Silver LandingSaint AugustineFL32092
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2009 Plan, Silver Landing, Saint Augustine, FL, 32092 in Saint Augustine is narrow, $45/mo net on $3,445/mo rent after the $2,221/mo debt service, but the property operates at break-even-plus, not a loss. At $493,990 with a 8.37% yield, the long-run equity case via 5% appreciation ($136,480 over five years) and $4,550/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.55 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $191,721.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $45 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,445 |
| Total Monthly Debt Service | $3,204 |
| DSCR Ratio | 1.08x |
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 2026
N/A lot
$N/A/sqft
$122 monthly 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 2026
N/A lot
$N/A/sqft
$122 monthly 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: N/A • Ashley Homes
Mls Name: Ashley Homes
Mls ID: #N/A