652 FERN StreetJacksonvilleFL32206
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 652 FERN Street, Jacksonville, FL, 32206 in Jacksonville at $119,000 earns $928/mo in rent and nets $138/mo after the $535/mo payment, a 9.36% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $32,878 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $1,096/yr in principal paydown, total projected return reaches $54,269.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $138 | $450 |
City averages based on Jacksonville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $928 |
| Total Monthly Debt Service | $742 |
| DSCR Ratio | 1.25x |
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 1927
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32206, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,446 (100%) |
| Owner Occupied HU | 3,358 (35.5%) |
| Renter Occupied HU | 4,580 (48.5%) |
| Vacant Housing Units | 1,508 (16.0%) |
| Median Home Value | $158,275 |
| Average Home Value | $300,232 |
Housing Distribution
Address Breakdown
Residential
8,109
Single Family
7,434
Multi-Family
675
Businesses
876
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 1927
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32206, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,446 (100%) |
| Owner Occupied HU | 3,358 (35.5%) |
| Renter Occupied HU | 4,580 (48.5%) |
| Vacant Housing Units | 1,508 (16.0%) |
| Median Home Value | $158,275 |
| Average Home Value | $300,232 |
Housing Distribution
Address Breakdown
Residential
8,109
Single Family
7,434
Multi-Family
675
Businesses
876
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: realMLS
Mls ID: #2137262