2525 COLLEGE Street UNIT 1104JacksonvilleFL32204
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing2525 COLLEGE Street UNIT 1104, Jacksonville, FL, 32204 in Jacksonville is a stable, well-positioned rental at $390,000. Rental yield 6.95%. DSCR 1.29 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $107,750 in value and $3,592/yr in principal paydown builds equity, a total projected return of $78,422.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $(1,146) | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,258 |
| Total Monthly Debt Service | $3,249 |
| DSCR Ratio | 0.70x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Condo
Built in 1927
871.20 sqft lot
$N/A/sqft
$710 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32204, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,358 (100%) |
| Owner Occupied HU | 1,342 (25.0%) |
| Renter Occupied HU | 3,467 (64.7%) |
| Vacant Housing Units | 549 (10.2%) |
| Median Home Value | $448,848 |
| Average Home Value | $455,756 |
Housing Distribution
Address Breakdown
Residential
5,179
Single Family
2,639
Multi-Family
2,540
Businesses
881
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
Condo
Built in 1927
871.20 sqft lot
$N/A/sqft
$710 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32204, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,358 (100%) |
| Owner Occupied HU | 1,342 (25.0%) |
| Renter Occupied HU | 3,467 (64.7%) |
| Vacant Housing Units | 549 (10.2%) |
| Median Home Value | $448,848 |
| Average Home Value | $455,756 |
Housing Distribution
Address Breakdown
Residential
5,179
Single Family
2,639
Multi-Family
2,540
Businesses
881
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices