40 SCOTCH PEBBLE DriveSaint JohnsFL32259
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 40 SCOTCH PEBBLE Drive, Saint Johns, FL, 32259 in Saint Johns earns a 9.32% gross yield at $274,000. Rent of $2,129/mo nets $310/mo after the $1,232/mo mortgage. The 1.73 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $75,701 and $2,524/yr in equity accumulation project a total cumulative return of $124,438.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $310 | $350 |
City averages based on Saint Johns market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,129 |
| Total Monthly Debt Service | $1,709 |
| DSCR Ratio | 1.25x |
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 2020
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32259, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,430 (100%) |
| Owner Occupied HU | 22,707 (82.8%) |
| Renter Occupied HU | 3,208 (11.7%) |
| Vacant Housing Units | 1,515 ( 5.5%) |
| Median Home Value | $601,330 |
| Average Home Value | $676,148 |
Housing Distribution
Address Breakdown
Residential
25,528
Single Family
23,180
Multi-Family
2,348
Businesses
680
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 2020
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32259, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,430 (100%) |
| Owner Occupied HU | 22,707 (82.8%) |
| Renter Occupied HU | 3,208 (11.7%) |
| Vacant Housing Units | 1,515 ( 5.5%) |
| Median Home Value | $601,330 |
| Average Home Value | $676,148 |
Housing Distribution
Address Breakdown
Residential
25,528
Single Family
23,180
Multi-Family
2,348
Businesses
680
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: ALAN PARASO • UNITED REAL ESTATE GALLERY
Mls Name: realMLS
Mls ID: #2100644