286 Zancara StSaint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 286 Zancara St, Saint Augustine, FL, 32084 in Saint Augustine is a conservative rental investment at $432,900. Rental yield 7.15%. A 1.33 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $119,602; $3,987/yr in principal paydown supplements. Total projected return: $145,753.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $(299) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,580 |
| Total Monthly Debt Service | $2,707 |
| DSCR Ratio | 0.95x |
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.
Single Family
Built in 2024
6,534 sqft lot
$N/A/sqft
$80 annually HOA
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
6,534 sqft lot
$N/A/sqft
$80 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Garrett Colton • One Sotheby's International Realty
Mls Name: St Augustine St Johns County BOR
Mls Provider:
Mls ID: #250770
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. 2025 St Augustine & St. Johns County Board of REALTORS. All rights reserved.