Armona Plan, Osprey CoveSaint MarysFL31558
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt 1.50, Armona Plan, Osprey Cove, Saint Marys, FL, 31558 in Saint Marys sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 7.62%. The 7.62% yield is backed by 5% annual appreciation projecting $160,241 in value gain, plus $5,342/yr in principal reduction. Total projected cumulative return: $225,614.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $(165) | $300 |
City averages based on Saint Marys market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,920 |
| Total Monthly Debt Service | $3,618 |
| DSCR Ratio | 1.08x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31558, Saint Marys, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,665 (100%) |
| Owner Occupied HU | 5,314 (55.0%) |
| Renter Occupied HU | 3,536 (36.6%) |
| Vacant Housing Units | 815 ( 8.4%) |
| Median Home Value | $303,233 |
| Average Home Value | $358,400 |
Housing Distribution
Address Breakdown
Residential
9,262
Single Family
8,315
Multi-Family
947
Businesses
657
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31558, Saint Marys, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,665 (100%) |
| Owner Occupied HU | 5,314 (55.0%) |
| Renter Occupied HU | 3,536 (36.6%) |
| Vacant Housing Units | 815 ( 8.4%) |
| Median Home Value | $303,233 |
| Average Home Value | $358,400 |
Housing Distribution
Address Breakdown
Residential
9,262
Single Family
8,315
Multi-Family
947
Businesses
657
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maria Aiello • Taylor Morrison
Mls Name: Taylor Morrison
Mls Provider:
Mls ID: #N/A