5447 FERN CREEK Drive NJacksonvilleFL32277
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5447 FERN CREEK Drive N, Jacksonville, FL, 32277 in Jacksonville speaks for itself: 12.94% gross on a $441,000 price, generating $4,754/mo in rent and $1,540/mo in net income after the $1,983/mo debt service. DSCR 2.40, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $18,480 stacks alongside $121,840 in projected five-year appreciation and $4,062/yr in principal reduction. Projected total cumulative return: $268,449.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 6.2% |
| Monthly Cash Flow | $1,540 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,754 |
| Total Monthly Debt Service | $3,039 |
| DSCR Ratio | 1.56x |
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 1974
0.77 Acres lot
$N/A/sqft
$275 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32277, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,898 (100%) |
| Owner Occupied HU | 6,793 (52.7%) |
| Renter Occupied HU | 5,299 (41.1%) |
| Vacant Housing Units | 806 ( 6.2%) |
| Median Home Value | $309,038 |
| Average Home Value | $390,332 |
Housing Distribution
Address Breakdown
Residential
12,973
Single Family
11,915
Multi-Family
1,058
Businesses
295
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 1974
0.77 Acres lot
$N/A/sqft
$275 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32277, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,898 (100%) |
| Owner Occupied HU | 6,793 (52.7%) |
| Renter Occupied HU | 5,299 (41.1%) |
| Vacant Housing Units | 806 ( 6.2%) |
| Median Home Value | $309,038 |
| Average Home Value | $390,332 |
Housing Distribution
Address Breakdown
Residential
12,973
Single Family
11,915
Multi-Family
1,058
Businesses
295
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices