3690 KIRKPATRICK Circle UNIT 7-4JacksonvilleFL32210
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 3690 KIRKPATRICK Circle UNIT 7-4, Jacksonville, FL, 32210 in Jacksonville at $145,500 earns $1,600/mo in rent and nets $97/mo after the $654/mo payment, a 13.19% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $40,199 over five years. Ziffy Mortgage underwrites this on a 2.45 DSCR without U.S. credit history. With $1,340/yr in principal paydown, total projected return reaches $64,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.2% | 6.2% |
| Monthly Cash Flow | $97 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,600 |
| Total Monthly Debt Service | $1,445 |
| DSCR Ratio | 1.11x |
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.
Condo
Built in 2007
N/A lot
$N/A/sqft
$414 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32210, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,079 (100%) |
| Owner Occupied HU | 14,620 (52.1%) |
| Renter Occupied HU | 11,233 (40.0%) |
| Vacant Housing Units | 2,226 ( 7.9%) |
| Median Home Value | $277,331 |
| Average Home Value | $365,520 |
Housing Distribution
Address Breakdown
Residential
28,002
Single Family
25,146
Multi-Family
2,856
Businesses
1,653
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
Condo
Built in 2007
N/A lot
$N/A/sqft
$414 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32210, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,079 (100%) |
| Owner Occupied HU | 14,620 (52.1%) |
| Renter Occupied HU | 11,233 (40.0%) |
| Vacant Housing Units | 2,226 ( 7.9%) |
| Median Home Value | $277,331 |
| Average Home Value | $365,520 |
Housing Distribution
Address Breakdown
Residential
28,002
Single Family
25,146
Multi-Family
2,856
Businesses
1,653
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices