95152 CYPRESS TrailFernandina BeachFL32034
INVESTMENT ANALYSIS
Investment Verdict
Solid Income95152 CYPRESS Trail, Fernandina Beach, FL, 32034 in Fernandina Beach is a solid income-producing rental, 9.44% gross yield, $2,980/mo rent, $442/mo net cash flow on a $378,900 buy. DSCR 1.75 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $104,683 and $3,490/yr in principal reduction project a total cumulative return of $173,021.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $442 | $200 |
City averages based on Fernandina Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,980 |
| Total Monthly Debt Service | $2,387 |
| 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 2014
0.37 Acres lot
$N/A/sqft
$275 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
Single Family
Built in 2014
0.37 Acres lot
$N/A/sqft
$275 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
Listed by: FELICIA WALKER • SUMMER HOUSE REALTY
Mls Name: realMLS
Mls Provider:
Mls ID: #2046329
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. Data is deemed reliable but is not guaranteed accurate by realMLS.