324 SHADY OAK CircleSaint AugustineFL32092
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 324 SHADY OAK Circle, Saint Augustine, FL, 32092 in Saint Augustine speaks for itself: 15.86% gross on a $200,000 price, generating $2,644/mo in rent and $1,295/mo in net income after the $899/mo debt service. DSCR 2.94, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $15,544 stacks alongside $55,256 in projected five-year appreciation and $1,842/yr in principal reduction. Projected total cumulative return: $159,731.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.9% | 6.0% |
| Monthly Cash Flow | $1,295 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,644 |
| Total Monthly Debt Service | $1,269 |
| DSCR Ratio | 2.08x |
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.
Manufactured
Built in 2001
8,712 sqft lot
$N/A/sqft
$21 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32092, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,237 (100%) |
| Owner Occupied HU | 19,388 (80.0%) |
| Renter Occupied HU | 2,898 (12.0%) |
| Vacant Housing Units | 1,951 ( 8.0%) |
| Median Home Value | $551,045 |
| Average Home Value | $590,393 |
Housing Distribution
Address Breakdown
Residential
21,437
Single Family
19,179
Multi-Family
2,258
Businesses
544
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
Manufactured
Built in 2001
8,712 sqft lot
$N/A/sqft
$21 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32092, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,237 (100%) |
| Owner Occupied HU | 19,388 (80.0%) |
| Renter Occupied HU | 2,898 (12.0%) |
| Vacant Housing Units | 1,951 ( 8.0%) |
| Median Home Value | $551,045 |
| Average Home Value | $590,393 |
Housing Distribution
Address Breakdown
Residential
21,437
Single Family
19,179
Multi-Family
2,258
Businesses
544
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: ASHLEY MARIE DEGIDIO • SMILEEHOUSE AUCTION CO LLC
Mls Name: realMLS
Mls Provider:
Mls ID: #2092909
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. Data is deemed reliable but is not guaranteed accurate by realMLS.