965 Oxford DrSaint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Solid Income965 Oxford Dr, Saint Augustine, FL, 32084 in Saint Augustine earns a respectable 8.22% gross yield at $525,000, but after the $2,361/mo mortgage the net cash flow is $39/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.52) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $145,048 over five years, making equity the dominant return driver. Total projected return: $202,924.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $39 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,598 |
| Total Monthly Debt Service | $3,350 |
| DSCR Ratio | 1.07x |
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 2001
8,712 sqft lot
$N/A/sqft
$900 annually HOA
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 2001
8,712 sqft lot
$N/A/sqft
$900 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andrew Birchall • Birchall and Company Real Estate
Mls Name: St Augustine St Johns County BOR
Mls Provider:
Mls ID: #254622
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.