32102 Hawthorne Cottage PlSan AntonioFL33576
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 32102 Hawthorne Cottage Pl, San Antonio, FL, 33576 in San Antonio. Rental yield 7.6%. The 1.41 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $144,700 and $4,824/yr in principal reduction project total return of $182,219.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $(278) | $150 |
City averages based on San Antonio market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,319 |
| Total Monthly Debt Service | $3,389 |
| DSCR Ratio | 0.98x |
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
6,000 sqft lot
$N/A/sqft
$122 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33576, San Antonio, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,054 (100%) |
| Owner Occupied HU | 3,933 (77.8%) |
| Renter Occupied HU | 255 ( 5.0%) |
| Vacant Housing Units | 866 (17.1%) |
| Median Home Value | $463,450 |
| Average Home Value | $506,207 |
Housing Distribution
Address Breakdown
Residential
3,585
Single Family
3,585
Multi-Family
0
Businesses
286
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
6,000 sqft lot
$N/A/sqft
$122 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33576, San Antonio, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,054 (100%) |
| Owner Occupied HU | 3,933 (77.8%) |
| Renter Occupied HU | 255 ( 5.0%) |
| Vacant Housing Units | 866 (17.1%) |
| Median Home Value | $463,450 |
| Average Home Value | $506,207 |
Housing Distribution
Address Breakdown
Residential
3,585
Single Family
3,585
Multi-Family
0
Businesses
286
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices