580 COZYBROOK LaneFleming IslandFL32003
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 580 COZYBROOK Lane, Fleming Island, FL, 32003 in Fleming Island: $3,187/mo in rent, $202/mo in net income, 8.5% gross yield, 1.58 DSCR, all at $449,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $124,299 in appreciation and $4,144/yr in principal paydown projects total cumulative return of $184,455.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $202 | $300 |
City averages based on Fleming Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,187 |
| Total Monthly Debt Service | $2,807 |
| DSCR Ratio | 1.14x |
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 1991
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32003, Orange Park, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,912 (100%) |
| Owner Occupied HU | 8,940 (75.1%) |
| Renter Occupied HU | 2,408 (20.2%) |
| Vacant Housing Units | 564 ( 4.7%) |
| Median Home Value | $432,265 |
| Average Home Value | $470,615 |
Housing Distribution
Address Breakdown
Residential
11,387
Single Family
9,618
Multi-Family
1,769
Businesses
531
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 1991
0.53 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32003, Orange Park, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,912 (100%) |
| Owner Occupied HU | 8,940 (75.1%) |
| Renter Occupied HU | 2,408 (20.2%) |
| Vacant Housing Units | 564 ( 4.7%) |
| Median Home Value | $432,265 |
| Average Home Value | $470,615 |
Housing Distribution
Address Breakdown
Residential
11,387
Single Family
9,618
Multi-Family
1,769
Businesses
531
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: BRITTANY D. GANCARS • HERRON REAL ESTATE LLC
Mls Name: realMLS
Mls ID: #2101370