5 PEARL StreetSaint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.41% yield at 5 PEARL Street, Saint Augustine, FL, 32084 in Saint Augustine is solid, but the $1,349/mo payment compresses net cash flow to $112/mo at $300,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $82,884 by year five, and $2,763/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.56) without U.S. income documentation. Total projected return: $121,588.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.0% |
| Monthly Cash Flow | $112 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,103 |
| Total Monthly Debt Service | $1,871 |
| DSCR Ratio | 1.12x |
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 1925
7,840 sqft lot
$N/A/sqft
No 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 1925
7,840 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: TERRI NEAL • FLORIDA HOMES REALTY & MTG LLC
Mls Name: realMLS
Mls ID: #2099195