497 CONVEX LaneSaint AugustineFL32095
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors approaching the U.S. market with capital-preservation in mind will find 497 CONVEX Lane, Saint Augustine, FL, 32095 in Saint Augustine aligned with their strategy. Rental yield 7.75%. DSCR 1.44 and 7.75% yield provide a sound foundation. Ziffy Mortgage's DSCR program enables non-U.S. residents to acquire without domestic credit. Over five years, 5% appreciation and $4,881/yr in paydown build toward a projected cumulative return of $184,370.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $(287) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,422 |
| Total Monthly Debt Service | $3,498 |
| DSCR Ratio | 0.98x |
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 2019
7,405 sqft lot
$N/A/sqft
$62 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
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 2019
7,405 sqft lot
$N/A/sqft
$62 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: MARGARET FISHBACK • BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Mls Name: realMLS
Mls Provider:
Mls ID: #2088405
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by realMLS.