245 Wildwood DrSaint AugustineFL32086
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe cash-flow margin at 245 Wildwood Dr, Saint Augustine, FL, 32086 in Saint Augustine is narrow, $7/mo net on $2,017/mo rent after the $1,061/mo debt service, but the property operates at break-even-plus, not a loss. At $235,900 with a 10.26% yield, the long-run equity case via 5% appreciation ($65,175 over five years) and $2,173/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.90 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $92,307.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.0% |
| Monthly Cash Flow | $7 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,017 |
| Total Monthly Debt Service | $1,916 |
| DSCR Ratio | 1.05x |
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.
Manufactured
Built in 2023
N/A 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
Manufactured
Built in 2023
N/A 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 • Moultrie Oaks Home Sales
Mls Name: Moultrie Oaks Home Sales
Mls ID: #N/A