4436 Lombardo AveJacksonvilleFL32226
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4436 Lombardo Ave, Jacksonville, FL, 32226 in Jacksonville is narrow, $123/mo net on $986/mo rent after the $585/mo debt service, but the property operates at break-even-plus, not a loss. At $130,000 with a 9.1% yield, the long-run equity case via 5% appreciation ($35,917 over five years) and $1,197/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $57,473.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $123 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $986 |
| Total Monthly Debt Service | $811 |
| DSCR Ratio | 1.22x |
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.
Single Family
Built in 1990
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32226, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,333 (100%) |
| Owner Occupied HU | 6,958 (83.5%) |
| Renter Occupied HU | 1,068 (12.8%) |
| Vacant Housing Units | 307 ( 3.7%) |
| Median Home Value | $414,621 |
| Average Home Value | $485,640 |
Housing Distribution
Address Breakdown
Residential
8,442
Single Family
8,442
Multi-Family
0
Businesses
616
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 1990
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32226, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,333 (100%) |
| Owner Occupied HU | 6,958 (83.5%) |
| Renter Occupied HU | 1,068 (12.8%) |
| Vacant Housing Units | 307 ( 3.7%) |
| Median Home Value | $414,621 |
| Average Home Value | $485,640 |
Housing Distribution
Address Breakdown
Residential
8,442
Single Family
8,442
Multi-Family
0
Businesses
616
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A