4920 40TH ST CircleJacksonvilleFL32209
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Jacksonville rentals match the income profile of 4920 40TH ST Circle, Jacksonville, FL, 32209. Listed at $216,900, gross rent is $2,904/mo and net cash flow is $1,465/mo, a 16.07% yield well above national averages. DSCR 2.98 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $59,925 by year five with $1,998/yr in annual principal reduction, projecting $176,980 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.1% | 6.2% |
| Monthly Cash Flow | $1,465 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,904 |
| Total Monthly Debt Service | $1,353 |
| DSCR Ratio | 2.15x |
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.
Single Family
Built in 1957
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32209, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,440 (100%) |
| Owner Occupied HU | 6,709 (40.8%) |
| Renter Occupied HU | 7,453 (45.3%) |
| Vacant Housing Units | 2,278 (13.9%) |
| Median Home Value | $86,153 |
| Average Home Value | $254,357 |
Housing Distribution
Address Breakdown
Residential
14,781
Single Family
13,909
Multi-Family
872
Businesses
765
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 1957
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32209, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,440 (100%) |
| Owner Occupied HU | 6,709 (40.8%) |
| Renter Occupied HU | 7,453 (45.3%) |
| Vacant Housing Units | 2,278 (13.9%) |
| Median Home Value | $86,153 |
| Average Home Value | $254,357 |
Housing Distribution
Address Breakdown
Residential
14,781
Single Family
13,909
Multi-Family
872
Businesses
765
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices