231 Hawthorn AvePalm CoastFL32164
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 231 Hawthorn Ave, Palm Coast, FL, 32164 in Palm Coast speaks for itself: 10.37% gross on a $429,000 price, generating $3,708/mo in rent and $807/mo in net income after the $1,929/mo debt service. DSCR 1.92, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,685 stacks alongside $118,525 in projected five-year appreciation and $3,951/yr in principal reduction. Projected total cumulative return: $215,680.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.0% |
| Monthly Cash Flow | $807 | $500 |
City averages based on Palm Coast market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,708 |
| Total Monthly Debt Service | $2,730 |
| DSCR Ratio | 1.36x |
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 2024
6,249 sqft lot
$N/A/sqft
$54 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32164, Palm Coast, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,679 (100%) |
| Owner Occupied HU | 17,771 (72.0%) |
| Renter Occupied HU | 5,317 (21.5%) |
| Vacant Housing Units | 1,591 ( 6.4%) |
| Median Home Value | $340,253 |
| Average Home Value | $375,313 |
Housing Distribution
Address Breakdown
Residential
24,759
Single Family
23,933
Multi-Family
826
Businesses
406
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 2024
6,249 sqft lot
$N/A/sqft
$54 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32164, Palm Coast, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,679 (100%) |
| Owner Occupied HU | 17,771 (72.0%) |
| Renter Occupied HU | 5,317 (21.5%) |
| Vacant Housing Units | 1,591 ( 6.4%) |
| Median Home Value | $340,253 |
| Average Home Value | $375,313 |
Housing Distribution
Address Breakdown
Residential
24,759
Single Family
23,933
Multi-Family
826
Businesses
406
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices