Phoenix Plan, Flagler EstatesHastingsFL32145
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowPhoenix Plan, Flagler Estates, Hastings, FL, 32145 in Hastings is a top-tier cash-flow asset. At $254,990 it produces $2,294/mo in rent and $602/mo in net monthly income, a 10.8% gross rental yield. The DSCR of 2.00 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $7,227. Five-year appreciation adds $70,449, driving a total cumulative return of $135,872.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.0% |
| Monthly Cash Flow | $602 | $1,500 |
City averages based on Hastings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,294 |
| Total Monthly Debt Service | $1,591 |
| DSCR Ratio | 1.44x |
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: 32145, Hastings, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,693 (100%) |
| Owner Occupied HU | 2,077 (77.1%) |
| Renter Occupied HU | 352 (13.1%) |
| Vacant Housing Units | 264 ( 9.8%) |
| Median Home Value | $216,616 |
| Average Home Value | $310,785 |
Housing Distribution
Address Breakdown
Residential
2,347
Single Family
2,347
Multi-Family
0
Businesses
110
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: 32145, Hastings, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,693 (100%) |
| Owner Occupied HU | 2,077 (77.1%) |
| Renter Occupied HU | 352 (13.1%) |
| Vacant Housing Units | 264 ( 9.8%) |
| Median Home Value | $216,616 |
| Average Home Value | $310,785 |
Housing Distribution
Address Breakdown
Residential
2,347
Single Family
2,347
Multi-Family
0
Businesses
110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices