Mystique Plan, Summer Bay at Grand OaksSaint AugustineFL32092
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at Mystique Plan, Summer Bay at Grand Oaks, Saint Augustine, FL, 32092 in Saint Augustine: $3,151/mo in rent, $251/mo in net income, 8.65% gross yield, 1.60 DSCR, all at $436,990. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $120,732 in appreciation and $4,025/yr in principal paydown projects total cumulative return of $182,700.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.0% |
| Monthly Cash Flow | $251 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,151 |
| Total Monthly Debt Service | $2,726 |
| DSCR Ratio | 1.16x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32092, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,237 (100%) |
| Owner Occupied HU | 19,388 (80.0%) |
| Renter Occupied HU | 2,898 (12.0%) |
| Vacant Housing Units | 1,951 ( 8.0%) |
| Median Home Value | $551,045 |
| Average Home Value | $590,393 |
Housing Distribution
Address Breakdown
Residential
21,437
Single Family
19,179
Multi-Family
2,258
Businesses
544
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32092, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,237 (100%) |
| Owner Occupied HU | 19,388 (80.0%) |
| Renter Occupied HU | 2,898 (12.0%) |
| Vacant Housing Units | 1,951 ( 8.0%) |
| Median Home Value | $551,045 |
| Average Home Value | $590,393 |
Housing Distribution
Address Breakdown
Residential
21,437
Single Family
19,179
Multi-Family
2,258
Businesses
544
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Pulte Homes
Mls Name: Pulte
Mls Provider:
Mls ID: #N/A