Shepherd Plan, Reflections 40' Front LoadPonte Vedra BeachFL32081
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, Shepherd Plan, Reflections 40' Front Load, Ponte Vedra Beach, FL, 32081 in Ponte Vedra Beach is listed at $602,900 and delivers $4,949/mo in rent and $948/mo in net monthly cash flow. The 9.85% yield and 1.83 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $166,570 over five years, and $5,553/yr in principal reduction supplements cash return. Total projected cumulative return: $290,773.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 5.8% |
| Monthly Cash Flow | $948 | $600 |
City averages based on Ponte Vedra Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,949 |
| Total Monthly Debt Service | $3,761 |
| DSCR Ratio | 1.32x |
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
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • David Weekley Homes
Mls Name: David Weekley Homes
Mls Provider:
Mls ID: #N/A