2242 Lake StLawteyFL32058
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2242 Lake St, Lawtey, FL, 32058 in Lawtey is narrow, $144/mo net on $974/mo rent after the $562/mo debt service, but the property operates at break-even-plus, not a loss. At $125,000 with a 9.35% yield, the long-run equity case via 5% appreciation ($34,535 over five years) and $1,151/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.73 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $56,983.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $144 | $200 |
City averages based on Lawtey market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $974 |
| Total Monthly Debt Service | $780 |
| DSCR Ratio | 1.25x |
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 1946
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32058, Lawtey, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,507 (100%) |
| Owner Occupied HU | 1,075 (71.3%) |
| Renter Occupied HU | 266 (17.7%) |
| Vacant Housing Units | 166 (11.0%) |
| Median Home Value | $211,988 |
| Average Home Value | $239,209 |
Housing Distribution
Address Breakdown
Residential
1,365
Single Family
1,365
Multi-Family
0
Businesses
66
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 1946
0.70 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32058, Lawtey, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,507 (100%) |
| Owner Occupied HU | 1,075 (71.3%) |
| Renter Occupied HU | 266 (17.7%) |
| Vacant Housing Units | 166 (11.0%) |
| Median Home Value | $211,988 |
| Average Home Value | $239,209 |
Housing Distribution
Address Breakdown
Residential
1,365
Single Family
1,365
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices