3908 WINDRIDGE CourtJacksonvilleFL32257
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3908 WINDRIDGE Court, Jacksonville, FL, 32257 in Jacksonville is narrow, $156/mo net on $1,914/mo rent after the $1,090/mo debt service, but the property operates at break-even-plus, not a loss. At $242,500 with a 9.47% yield, the long-run equity case via 5% appreciation ($66,998 over five years) and $2,233/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.76 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $103,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $156 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,914 |
| Total Monthly Debt Service | $1,662 |
| DSCR Ratio | 1.15x |
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.
Townhouse
Built in 1988
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32257, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,514 (100%) |
| Owner Occupied HU | 10,887 (58.8%) |
| Renter Occupied HU | 6,731 (36.4%) |
| Vacant Housing Units | 896 ( 4.8%) |
| Median Home Value | $361,351 |
| Average Home Value | $408,813 |
Housing Distribution
Address Breakdown
Residential
17,957
Single Family
13,684
Multi-Family
4,273
Businesses
1,422
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
Townhouse
Built in 1988
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32257, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,514 (100%) |
| Owner Occupied HU | 10,887 (58.8%) |
| Renter Occupied HU | 6,731 (36.4%) |
| Vacant Housing Units | 896 ( 4.8%) |
| Median Home Value | $361,351 |
| Average Home Value | $408,813 |
Housing Distribution
Address Breakdown
Residential
17,957
Single Family
13,684
Multi-Family
4,273
Businesses
1,422
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices