8090 A1a S UNIT 104Saint AugustineFL32080
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 8090 A1a S UNIT 104, Saint Augustine, FL, 32080 in Saint Augustine worth study. Rental yield 5.04%. The 5.04% gross yield is below cash-flow benchmarks at $846,000, but 5% annual appreciation, adding $233,734 over five years, frames this as a capital growth position. Rent of $3,554/mo partially offsets the $3,804/mo payment. Ziffy Mortgage finances appreciation-play properties (0.93 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $142,588.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.0% |
| Monthly Cash Flow | $(2,848) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,554 |
| Total Monthly Debt Service | $6,066 |
| DSCR Ratio | 0.59x |
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.
Condo
Built in 1985
9 Acres lot
$N/A/sqft
$750 monthly 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
Condo
Built in 1985
9 Acres lot
$N/A/sqft
$750 monthly 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: Jonathan Bamberg • Jonathan B. Bamberg
Mls Name: St Augustine St Johns County BOR
Mls Provider:
Mls ID: #245456
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. 2025 St Augustine & St. Johns County Board of REALTORS. All rights reserved.