215 ORCHIS RoadSaint AugustineFL32086
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 215 ORCHIS Road, Saint Augustine, FL, 32086 in Saint Augustine at $309,000 earns $2,172/mo in rent and nets $121/mo after the $1,389/mo payment, a 8.43% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $85,371 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $2,846/yr in principal paydown, total projected return reaches $125,612.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $121 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,172 |
| Total Monthly Debt Service | $1,928 |
| DSCR Ratio | 1.13x |
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 1976
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32086, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,295 (100%) |
| Owner Occupied HU | 11,913 (73.1%) |
| Renter Occupied HU | 2,942 (18.1%) |
| Vacant Housing Units | 1,440 ( 8.8%) |
| Median Home Value | $463,641 |
| Average Home Value | $526,140 |
Housing Distribution
Address Breakdown
Residential
15,765
Single Family
14,243
Multi-Family
1,522
Businesses
1,131
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 1976
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32086, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,295 (100%) |
| Owner Occupied HU | 11,913 (73.1%) |
| Renter Occupied HU | 2,942 (18.1%) |
| Vacant Housing Units | 1,440 ( 8.8%) |
| Median Home Value | $463,641 |
| Average Home Value | $526,140 |
Housing Distribution
Address Breakdown
Residential
15,765
Single Family
14,243
Multi-Family
1,522
Businesses
1,131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: realMLS
Mls ID: #2134565