541 SERENADE Circle EJacksonvilleFL32225
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 541 SERENADE Circle E, Jacksonville, FL, 32225 in Jacksonville at $349,999 earns $2,408/mo in rent and nets $86/mo after the $1,574/mo payment, a 8.26% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $96,698 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $3,224/yr in principal paydown, total projected return reaches $138,907.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $86 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,408 |
| Total Monthly Debt Service | $2,183 |
| DSCR Ratio | 1.10x |
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 1992
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32225, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,342 (100%) |
| Owner Occupied HU | 15,540 (66.6%) |
| Renter Occupied HU | 6,935 (29.7%) |
| Vacant Housing Units | 867 ( 3.7%) |
| Median Home Value | $386,319 |
| Average Home Value | $446,854 |
Housing Distribution
Address Breakdown
Residential
24,513
Single Family
18,918
Multi-Family
5,595
Businesses
1,380
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 1992
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32225, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,342 (100%) |
| Owner Occupied HU | 15,540 (66.6%) |
| Renter Occupied HU | 6,935 (29.7%) |
| Vacant Housing Units | 867 ( 3.7%) |
| Median Home Value | $386,319 |
| Average Home Value | $446,854 |
Housing Distribution
Address Breakdown
Residential
24,513
Single Family
18,918
Multi-Family
5,595
Businesses
1,380
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: VALERIA ESQUIVEL REYES • IRON VALLEY REAL ESTATE NORTH FLORIDA
Mls Name: realMLS
Mls ID: #2115950