312 GENOA RoadSaint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 312 GENOA Road, Saint Augustine, FL, 32084 in Saint Augustine is listed at $850,000 and delivers $6,079/mo in rent and $398/mo in net monthly cash flow. The 8.58% yield and 1.59 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $234,839 over five years, and $7,829/yr in principal reduction supplements cash return. Total projected cumulative return: $349,786.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $398 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,079 |
| Total Monthly Debt Service | $5,343 |
| DSCR Ratio | 1.14x |
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 1997
0.25 Acres lot
$N/A/sqft
$480 annually HOA
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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 1997
0.25 Acres lot
$N/A/sqft
$480 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices