435 NARVAREZ AvenueSaint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 435 NARVAREZ Avenue, Saint Augustine, FL, 32084 in Saint Augustine achieves 1.56, rent of $2,981/mo covers the $1,911/mo payment 1.5x over at $425,000. Rental yield 8.42%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $117,420 over five years, with $3,914/yr in principal reduction bringing total projected return to $151,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $(187) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,981 |
| Total Monthly Debt Service | $2,998 |
| DSCR Ratio | 0.99x |
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 2022
7,405 sqft lot
$N/A/sqft
$125 quarterly HOA
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 2022
7,405 sqft lot
$N/A/sqft
$125 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices