439 RUM RUNNER WaySaint JohnsFL32259
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt 1.71, 439 RUM RUNNER Way, Saint Johns, FL, 32259 in Saint Johns sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 9.21%. The 9.21% yield is backed by 5% annual appreciation projecting $128,468 in value gain, plus $4,283/yr in principal reduction. Total projected cumulative return: $165,327.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $(234) | $350 |
City averages based on Saint Johns market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,568 |
| Total Monthly Debt Service | $3,617 |
| 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.
Townhouse
Built in 2024
5,227 sqft lot
$N/A/sqft
$716 monthly 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 2024
5,227 sqft lot
$N/A/sqft
$716 monthly 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