56 MONTELLANO RoadSaint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Solid Income56 MONTELLANO Road, Saint Augustine, FL, 32084 in Saint Augustine carries a 1.53 coverage ratio, rent of $1,569/mo is 1.53 times the $1,025/mo payment. Rental yield 8.26%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $227,990 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $62,989; total projected cumulative return: $90,514.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $(43) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,569 |
| Total Monthly Debt Service | $1,422 |
| 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.
Townhouse
Built in 2026
N/A 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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CHARLIE ROGERS • D R HORTON REALTY INC
Mls Name: realMLS
Mls ID: #2122627