295 BEREA AvenueKeystone HeightsFL32656
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 295 BEREA Avenue, Keystone Heights, FL, 32656 in Keystone Heights is capital appreciation. Rental yield 1.98%. The 1.98% gross yield at $1,500,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $414,422 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.37) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $90,741.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 6.0% |
| Monthly Cash Flow | $(7,474) | $300 |
City averages based on Keystone Heights market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,480 |
| Total Monthly Debt Service | $9,357 |
| DSCR Ratio | 0.27x |
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 1970
1.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32656, Keystone Heights, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,015 (100%) |
| Owner Occupied HU | 5,099 (72.7%) |
| Renter Occupied HU | 1,009 (14.4%) |
| Vacant Housing Units | 907 (12.9%) |
| Median Home Value | $306,976 |
| Average Home Value | $337,623 |
Housing Distribution
Address Breakdown
Residential
6,367
Single Family
6,349
Multi-Family
18
Businesses
338
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 1970
1.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32656, Keystone Heights, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,015 (100%) |
| Owner Occupied HU | 5,099 (72.7%) |
| Renter Occupied HU | 1,009 (14.4%) |
| Vacant Housing Units | 907 (12.9%) |
| Median Home Value | $306,976 |
| Average Home Value | $337,623 |
Housing Distribution
Address Breakdown
Residential
6,367
Single Family
6,349
Multi-Family
18
Businesses
338
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: realMLS
Mls ID: #2134382