6301 A1A SSaint AugustineFL32080
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 6301 A1A S, Saint Augustine, FL, 32080 in Saint Augustine fits: $994,900, 5.09% gross yield, and a projected 5% annual appreciation rate adding $274,873 in value within five years. Rental yield 5.09%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.94) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $9,163/yr in principal paydown and $274,873 in appreciation project a total return of $226,151.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(2,378) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,224 |
| Total Monthly Debt Service | $6,206 |
| DSCR Ratio | 0.68x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2024
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32080, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,108 (100%) |
| Owner Occupied HU | 8,476 (52.6%) |
| Renter Occupied HU | 2,504 (15.5%) |
| Vacant Housing Units | 5,128 (31.8%) |
| Median Home Value | $647,774 |
| Average Home Value | $764,499 |
Housing Distribution
Address Breakdown
Residential
13,990
Single Family
10,080
Multi-Family
3,910
Businesses
802
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 2024
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32080, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,108 (100%) |
| Owner Occupied HU | 8,476 (52.6%) |
| Renter Occupied HU | 2,504 (15.5%) |
| Vacant Housing Units | 5,128 (31.8%) |
| Median Home Value | $647,774 |
| Average Home Value | $764,499 |
Housing Distribution
Address Breakdown
Residential
13,990
Single Family
10,080
Multi-Family
3,910
Businesses
802
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CHRISTOPHER A ZINKEL • FLORIDA HOMES REALTY & MTG LLC
Mls Name: realMLS
Mls ID: #2120659