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2 F
Grade
$90,000💡 🏦 DSCR 25%dn: $-446/mo
F
$239,000💡 💰 Negotiate: Offer -1% → positive
F
$239,000
400 E Bay St #1005, Jacksonville
FL
F
26
Cashflow
$-2,319/mo
CoC ROI
-135.9%
Rent Est
$1,699/mo
HUD FMR · GRM 11.7
Cap Rate
-3.4%
💡 OPPORTUNITY — alternative strategies
🤝 Seller Finance: $-2,032/mo🏦 DSCR 25%dn: $-1,944/mo💰 Negotiate: Offer -1% → positive
🏘
F
30
$90,000
$-544
Cash Flow
-84.6%
CoC ROI
1.0%
Cap Rate
$7,707
Cash In
🏘
F
26
$239,000
400 E Bay St #1005
Jacksonville · 2bd/2.0ba · Single
1,473 sf · Built 2003
$-2,319
Cash Flow
-135.9%
CoC ROI
-3.4%
Cap Rate
$20,465
Cash In
Property Breakdowns
F
30
311 W Ashley St #302 Single
Sarasota, FL 32202 · 1bd/1.0ba · 573sf · Built 1949
$90,000
Asking Price
Asking Price
—
3.5% down, great for first-time buyers
Down Payment: $3,150
Loan Amount: $88,370
Fees / MIP: $1,520
Closing Costs: $2,700
Reserves (3mo): $1,857
Total Cash Needed: $7,707
Monthly Expenses
Mortgage P&I+MIP: $618.86
Property Tax: $146.25
Insurance: $150.00
HOA: $554.00
Maint + CapEx: $105.00
Vacancy + Mgmt: $154.00
Total: $1,728.11/mo
Returns
Market Rent (all units): $1,185
Your Rental Income: $1,185
Cashflow: $-544/mo
Annual: $-6,522/yr
Cash-on-Cash ROI: -84.6%
Cap Rate: 1.0% · DSCR: 0.12x
💡
CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK
This property shows $-544/mo negative cashflow with standard financing. Here are approaches that could turn it positive:
🤝 Seller Financing
Negotiate 10% down at 5.0% with the seller. Projected cashflow: $-359/mo (vs $-544/mo conventional).
💰 DSCR Loan (25% Down)
Higher down payment, lower rate (6.5%). Projected cashflow: $-351/mo — saves $192/mo.
✈️
AIRBNB / SHORT-TERM RENTAL ANALYSIS
LEGAL
Confidence: 60%
AVG NIGHTLY
$120
OCCUPANCY
60%
GROSS / MO
$2,160
STR CASHFLOW
$-1,009/mo
STR vs LTR
-74%
BREAKEVEN OCC
79%
STR EXPENSES BREAKDOWN
Platform fees: $65
Cleaning: $396
Management (20%): $432
Utilities: $275
Taxes (12%): $259
Other: $213
Cleaning: $396
Management (20%): $432
Utilities: $275
Taxes (12%): $259
Other: $213
FURNITURE SETUP
Furniture: $4,300
Appliances: $800
Kitchen + Linens: $750
Electronics: $600
Decor + Supplies: $700
Total Setup: $7,450
Appliances: $800
Kitchen + Linens: $750
Electronics: $600
Decor + Supplies: $700
Total Setup: $7,450
🛡
LTR is safer bet
LTR: $-544/mo · STR: $-1,009/mo · CoC ROI: -91.1%
🏠 RENTAL COMPS
AVG MARKET RENT
$1,184/mo
RANGE
$1,184 – $1,184
CONFIDENCE
LOW
N/A
Our estimate
$1,184/mo ✅ Inline with market
No comparable rentals found in 32202
📍 NEIGHBORHOOD SCORE 🔒 Pro
▶🤖 SpillAI ANALYSIS 🔒 Pro
TOP UPGRADES BY ROI
📷 Upload photos for AI analysis
| Pri | Upgrade | Cost | Value Add | ROI |
|---|---|---|---|---|
| CRIT | New A/C System | $7,500 | +$9,750 | 130% |
| CRIT | Electrical Panel Upgrade | $4,500 | +$5,400 | 120% |
| CRIT | Full Re-Pipe | $9,000 | +$9,900 | 110% |
| CRIT | Full Roof Replacement | $5,444 | +$5,988 | 110% |
| CRIT | Professional Deep Clean | $550 | +$2,750 | 500% |
🔨
FIX & FLIP
High Confidence
- • Strong forced equity potential (+$46,652)
- • Excellent reno ROI (167%)
- • Older build (1949) — high value-add potential
- • Negative cashflow ($-544/mo) — poor rental hold
❌
IS IT WORTH IT?
NO — Walk Away
- • Heavy negative cashflow ($-544/mo)
- • Low barrier to entry ($7,707 cash needed)
- • Has flip exit strategy if hold doesn't work
🛡
NEIGHBORHOOD SAFETY
4/10
Moderate
Some crime concerns, exercise normal caution
30
AI Deal Score
30/100
🔴 Weak
🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →
📈 10-YEAR EQUITY PROJECTION
▶🔨 FIX & FLIP ANALYSIS
▶
F
26
400 E Bay St #1005 Single
Jacksonville, FL 32202 · 2bd/2.0ba · 1,473sf · Built 2003
$239,000
Asking Price
Asking Price
—
3.5% down, great for first-time buyers
Down Payment: $8,365
Loan Amount: $234,671
Fees / MIP: $4,036
Closing Costs: $7,170
Reserves (3mo): $4,930
Total Cash Needed: $20,465
Monthly Expenses
Mortgage P&I+MIP: $1,643.41
Property Tax: $388.38
Insurance: $196.40
HOA: $1,290.00
Maint + CapEx: $278.84
Vacancy + Mgmt: $220.92
Total: $4,017.94/mo
Returns
Market Rent (all units): $1,699
Your Rental Income: $1,699
Cashflow: $-2,319/mo
Annual: $-27,823/yr
Cash-on-Cash ROI: -135.9%
Cap Rate: -3.4% · DSCR: -0.41x
💡
CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK
This property shows $-2,319/mo negative cashflow with standard financing. Here are approaches that could turn it positive:
🤝 Seller Financing
Negotiate 10% down at 5.0% with the seller. Projected cashflow: $-1,830/mo (vs $-2,319/mo conventional).
💰 DSCR Loan (25% Down)
Higher down payment, lower rate (6.5%). Projected cashflow: $-1,808/mo — saves $510/mo.
✈️
AIRBNB / SHORT-TERM RENTAL ANALYSIS
LEGAL
Confidence: 60%
AVG NIGHTLY
$170
OCCUPANCY
57%
GROSS / MO
$2,907
STR CASHFLOW
$-2,797/mo
STR vs LTR
-69%
BREAKEVEN OCC
100%
STR EXPENSES BREAKDOWN
Platform fees: $87
Cleaning: $462
Management (20%): $581
Utilities: $350
Taxes (12%): $349
Other: $278
Cleaning: $462
Management (20%): $581
Utilities: $350
Taxes (12%): $349
Other: $278
FURNITURE SETUP
Furniture: $6,100
Appliances: $800
Kitchen + Linens: $900
Electronics: $600
Decor + Supplies: $700
Total Setup: $9,400
Appliances: $800
Kitchen + Linens: $900
Electronics: $600
Decor + Supplies: $700
Total Setup: $9,400
🛡
LTR is safer bet
LTR: $-2,319/mo · STR: $-2,797/mo · CoC ROI: -134.6%
🏠 RENTAL COMPS
AVG MARKET RENT
$1,699/mo
RANGE
$1,699 – $1,699
CONFIDENCE
LOW
N/A
Our estimate
$1,699/mo ✅ Inline with market
No comparable rentals found in 32202
📍 NEIGHBORHOOD SCORE 🔒 Pro
▶🤖 SpillAI ANALYSIS 🔒 Pro
TOP UPGRADES BY ROI
📷 Upload photos for AI analysis
| Pri | Upgrade | Cost | Value Add | ROI |
|---|---|---|---|---|
| CRIT | New A/C System | $7,500 | +$9,750 | 130% |
| CRIT | Professional Deep Clean | $550 | +$2,750 | 500% |
| CRIT | Full Interior Paint | $4,051 | +$12,152 | 300% |
| HIGH | New Water Heater | $2,650 | +$3,445 | 130% |
| HIGH | Door/Cabinet Hardware | $475 | +$1,425 | 300% |
🔨
FIX & FLIP
High Confidence
- • Strong forced equity potential (+$52,581)
- • Excellent reno ROI (196%)
- • Negative cashflow ($-2,319/mo) — poor rental hold
- • Low cap rate area — better flip than hold
❌
IS IT WORTH IT?
NO — Walk Away
- • Heavy negative cashflow ($-2,319/mo)
- • Low barrier to entry ($20,465 cash needed)
- • Has flip exit strategy if hold doesn't work
🛡
NEIGHBORHOOD SAFETY
4/10
Moderate
Some crime concerns, exercise normal caution
26
AI Deal Score
26/100
🔴 Weak
🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →
📈 10-YEAR EQUITY PROJECTION
▶🔨 FIX & FLIP ANALYSIS
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