95436 Golden Glow DrFernandina BeachFL32034
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 95436 Golden Glow Dr, Fernandina Beach, FL, 32034 in Fernandina Beach at $795,000, 4.89% gross yield, is a market-growth asset. Rental yield 4.89%. The $3,240/mo rent partially funds the $3,575/mo debt service; the core return is the 5%/yr price growth projected to add $219,644 over five years. Ziffy Mortgage's DSCR mortgage (0.91) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $168,105.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.0% |
| Monthly Cash Flow | $(2,100) | $200 |
City averages based on Fernandina Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,240 |
| Total Monthly Debt Service | $5,024 |
| DSCR Ratio | 0.64x |
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
0.28 Acres lot
$N/A/sqft
$776 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 2024
0.28 Acres lot
$N/A/sqft
$776 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: Tammy Tingle • CENTURY 21 MILLER ELITE
Mls Name: AINCAR
Mls Provider:
Mls ID: #113130
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.