95078 Barclay Pl UNIT 4Fernandina BeachFL32034
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow95078 Barclay Pl UNIT 4, Fernandina Beach, FL, 32034 in Fernandina Beach is a top-tier cash-flow asset. At $574,995 it produces $6,082/mo in rent and $1,531/mo in net monthly income, a 12.69% gross rental yield. The DSCR of 2.35 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $18,375. Five-year appreciation adds $158,861, driving a total cumulative return of $320,861.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.7% | 6.0% |
| Monthly Cash Flow | $1,531 | $200 |
City averages based on Fernandina Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,082 |
| Total Monthly Debt Service | $4,322 |
| DSCR Ratio | 1.41x |
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.
Condo
Built in 2005
N/A lot
$N/A/sqft
$8,815 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32034, Fernandina Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,682 (100%) |
| Owner Occupied HU | 15,551 (65.7%) |
| Renter Occupied HU | 3,710 (15.7%) |
| Vacant Housing Units | 4,421 (18.7%) |
| Median Home Value | $586,648 |
| Average Home Value | $675,813 |
Housing Distribution
Address Breakdown
Residential
21,050
Single Family
18,551
Multi-Family
2,499
Businesses
1,193
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 2005
N/A lot
$N/A/sqft
$8,815 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32034, Fernandina Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,682 (100%) |
| Owner Occupied HU | 15,551 (65.7%) |
| Renter Occupied HU | 3,710 (15.7%) |
| Vacant Housing Units | 4,421 (18.7%) |
| Median Home Value | $586,648 |
| Average Home Value | $675,813 |
Housing Distribution
Address Breakdown
Residential
21,050
Single Family
18,551
Multi-Family
2,499
Businesses
1,193
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices