SpillDeals is a free real estate deal finder for Florida investors. Every property listing is automatically analyzed with cash flow projections, cap rate, ROI grade (A through F), and house hack scenarios. Updated daily with live FL listings.

What is a good cap rate for investment property in Florida?

A good cap rate in Florida is typically 5-8% for residential investment properties. In Miami-Dade, cap rates of 5-6% are common due to high appreciation. In markets like Hialeah, Homestead, and Opa-locka, you can find 7-9% cap rates. SpillDeals grades every property A through F based on cash flow, cap rate, and ROI so you can instantly identify the best deals.

What does an A-grade property mean on SpillDeals?

An A-grade property on SpillDeals is a top-tier investment with strong positive cash flow, a cap rate above 7%, and excellent ROI relative to the market. These are the rarest deals — typically cash flowing $500+/month after all expenses including mortgage, taxes, insurance, and maintenance.

How does SpillDeals analyze properties?

SpillDeals automatically calculates monthly cash flow, cap rate, cash-on-cash return, and overall ROI for every property using current market rent estimates, property taxes, insurance, HOA fees, and a 30-year fixed mortgage at current rates. It also models house hack scenarios for multi-unit properties and FHA loan scenarios for owner-occupants.

Is SpillDeals free to use?

Yes. SpillDeals is free to sign up and use. Free users can view C, D, and F-grade properties with full analysis. Pro users ($67/month, or $33.25/month billed annually as $399/yr) unlock all A and B-grade deals — the highest cash-flowing properties in Florida — plus unlimited access, deal alerts, advanced filters, and a 14-day free trial.

What is cash-on-cash return for real estate?

Cash-on-cash return (CoC ROI) measures your annual cash flow divided by the total cash you invested (down payment + closing costs). For example, if you invested $60,000 to buy a rental and it generates $6,000 in annual cash flow, your CoC ROI is 10%. SpillDeals calculates this automatically on every property using current mortgage rates and market rent estimates.

How do I find Section 8 investment properties in Florida?

Section 8 (Housing Choice Voucher) properties in Florida are regular rental properties that accept government-subsidized tenants. To find them: filter by the Section 8 tab on SpillDeals, which shows properties where HUD Fair Market Rents in that zip code exceed the estimated market rent — meaning Section 8 can pay you above-market rent. Jacksonville, Tampa, and Miami-Dade have the strongest Section 8 rental demand.

What is a DSCR loan and how does it work for Florida investors?

A DSCR (Debt Service Coverage Ratio) loan lets real estate investors qualify based on rental income instead of personal income or W-2s. The property must generate enough rent to cover 1.0–1.25x the monthly mortgage payment. DSCR loans are ideal for self-employed investors and those with multiple properties. Current DSCR rates in Florida range from 6.25%–7.50%. SpillDeals calculates DSCR for every property automatically.

What is the 1% rule for rental properties, and does it still work in Florida?

The 1% rule states that a rental property's monthly rent should equal at least 1% of its purchase price. For example, a $200,000 home should rent for $2,000/month. In Florida's current market (2026), the 1% rule is hard to hit in most coastal markets but achievable in Jacksonville, parts of Tampa, and smaller markets like Daytona Beach and Lakeland. SpillDeals shows the rent-to-price ratio on every listing so you can spot these deals instantly.

How often are properties updated on SpillDeals?

SpillDeals pulls live listing data from MLS and public sources daily. The scraper runs every 20–30 minutes, continuously ingesting new listings and updating prices. New properties are automatically analyzed and graded within minutes of appearing. Pro users get priority access to new listings as they hit the database.

Can I use SpillDeals to find fix and flip properties in Florida?

Yes. SpillDeals has a dedicated Flip tab that shows properties with high ARV (after-repair value) potential. The analysis estimates rehab costs, projected resale price, and profit margin on every fix-and-flip opportunity. Filter by condition, grade, and maximum renovation budget to find deals that fit your criteria.

What Florida cities have the best rental property cash flow in 2026?

The top Florida cities for rental cash flow in 2026 are: 1) Jacksonville (7.2% avg cap rate, strong rent-to-price ratio), 2) Tampa East/Sulphur Springs (6.8% cap rate, affordable duplexes), 3) Orlando/Kissimmee (6.5% cap rate, STR demand), 4) Fort Myers/Cape Coral (6.1% cap rate, post-hurricane buying opportunities), and 5) Miami/Hialeah (5.8% cap rate, strong appreciation). SpillDeals shows live deals from all of these markets.

What is house hacking and how does it work in Florida?

House hacking means buying a multi-unit property (duplex, triplex, or fourplex), living in one unit, and renting the others. The rental income covers your mortgage — often making your housing free or profitable. In Florida, FHA loans let you buy a 2-4 unit property with just 3.5% down, as long as you live in one unit. SpillDeals shows house hack scenarios on all multi-unit properties, including estimated rent from the other units and net housing cost.

SpillDeals | FL Investment Property Deals — Graded A-F

FL 🌴 Miami ⛵ Fort Lauderdale 🏌️ Palm Beach 🌉 Tampa 🎡 Orlando 🏙️ Jacksonville 🦅 Naples 🎨 Sarasota 🚤 Cape Coral 🌊 Port St Lucie 🏎️ Daytona Beach 🎓 Gainesville 🐎 Ocala 🏛️ Tallahassee 🏖️ Pensacola 🦢 Lakeland

Quick Filter:

All Multi-Unit Single Search results for “Jacksonville”

20 of 20 properties · ✕ Clear filters · Search: “Jacksonville” — 20 result(s)

2 A · 18 F

Deal gradesA — 12%+ ROI 🔒B — 8%+ ROI 🔒C — 5%+ ROI ✓ FreeA & B unlock with Pro

⚡ Go Pro

Grade

Cash+ only

$70,000🔒 Pro Deal

$70,000

541 Linwood Ave, Jacksonville

3bd1ba Single1,330sf $53/sf Built 1928

Monthly Cashflow+$689/mo

CoC ROI

••.•%

Rent Est

$•,•••/mo

Cap Rate

•.•%

🔓 Unlock Pro

$114,900🔒 Pro Deal

$114,900

6303 Hyde Park Hvn, Jacksonville

3bd2ba Single1,364sf $84/sf Built 1955

Monthly Cashflow+$324/mo

CoC ROI

••.•%

Rent Est

$•,•••/mo

Cap Rate

•.•%

🔓 Unlock Pro

$195,000💡 🏦 DSCR 25%dn: +$43/mo

$195,000

2225 Thiervy Dr, Jacksonville

3bd2ba Single1,260sf $155/sf Built 1959

Cashflow

$-203/mo

CoC ROI

-14.6%

Rent Est

$2,127/mo

HUD FMR · GRM 7.6

Cap Rate

7.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-28/mo🏦 DSCR 25%dn: +$43/mo

🏠 Listing

$190,000💡 🏦 DSCR 25%dn: +$21/mo

$190,000

474 Laurina St, Jacksonville

3bd1ba Single1,122sf $169/sf Built 1949

Cashflow

$-222/mo

CoC ROI

-16.3%

Rent Est

$2,029/mo

HUD FMR · GRM 7.8

Cap Rate

6.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-48/mo🏦 DSCR 25%dn: +$21/mo

🏠 Listing

$200,000💡 🏦 DSCR 25%dn: $-7/mo

$200,000

2417 W 25th St, Jacksonville

4bd2ba Single2,280sf $88/sf Built 1955

Cashflow

$-252/mo

CoC ROI

-17.7%

Rent Est

$2,282/mo

HUD FMR · GRM 7.3

Cap Rate

6.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-81/mo🏦 DSCR 25%dn: $-7/mo

🏠 Listing

🏆

🔒 Unlock full financials, cashflow projections, and loan analysis for every deal

2 Grade A/B deals locked — Pro only locked — Pro members see all A/B grade deals

⚡ Start Free Trial

$149,900💡 🏦 DSCR 25%dn: $-359/mo

$149,900

3737 Loretto Rd #905, Jacksonville

2bd2ba Single908sf $165/sf Built 1986

Cashflow

$-557/mo

CoC ROI

-52.1%

Rent Est

$1,532/mo

HUD FMR · GRM 8.2

Cap Rate

3.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-414/mo🏦 DSCR 25%dn: $-359/mo

🏠 Listing

$274,900💡 🏦 DSCR 25%dn: $-235/mo

$274,900

7065 Plymouth Grove Ct, Jacksonville

4bd2ba Single1,670sf $165/sf Built 2020

Cashflow

$-610/mo

CoC ROI

-31.1%

Rent Est

$2,668/mo

HUD FMR · GRM 8.6

Cap Rate

5.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-337/mo🏦 DSCR 25%dn: $-235/mo

🏠 Listing

$193,900💡 🏦 DSCR 25%dn: $-365/mo

$193,900

5260 Collins Rd #105, Jacksonville

3bd2ba Single1,729sf $112/sf Built 2005

Cashflow

$-620/mo

CoC ROI

-44.8%

Rent Est

$2,006/mo

HUD FMR · GRM 8.1

Cap Rate

4.4%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-437/mo🏦 DSCR 25%dn: $-365/mo

🏠 Listing

$265,000💡 🏦 DSCR 25%dn: $-476/mo

$265,000

5342 Sharon Ter, Jacksonville

3bd1ba Single1,108sf $239/sf Built 1953

Cashflow

$-873/mo

CoC ROI

-46.2%

Rent Est

$2,114/mo

HUD FMR · GRM 10.4

Cap Rate

4.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-574/mo🏦 DSCR 25%dn: $-476/mo

🏠 Listing

$285,900💡 🏦 DSCR 25%dn: $-482/mo

$285,900

5333 Kellar Cir, Jacksonville

3bd2ba Single1,548sf $185/sf Built 2021

Cashflow

$-898/mo

CoC ROI

-44.0%

Rent Est

$2,432/mo

HUD FMR · GRM 9.8

Cap Rate

4.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-588/mo🏦 DSCR 25%dn: $-482/mo

🏠 Listing

$290,000💡 🏦 DSCR 25%dn: $-475/mo

$290,000

6992 Deer Island Rd, Jacksonville

3bd2ba Single1,575sf $184/sf Built 2004

Cashflow

$-899/mo

CoC ROI

-43.4%

Rent Est

$2,455/mo

HUD FMR · GRM 9.8

Cap Rate

4.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-582/mo🏦 DSCR 25%dn: $-475/mo

🏠 Listing

$325,000💡 🏦 DSCR 25%dn: $-604/mo

$325,000

1904 Landwood St, Jacksonville

3bd2ba Single1,776sf $183/sf Built 1963

Cashflow

$-1,088/mo

CoC ROI

-46.9%

Rent Est

$2,633/mo

HUD FMR · GRM 10.3

Cap Rate

4.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-725/mo🏦 DSCR 25%dn: $-604/mo

🏠 Listing

$295,000💡 🏦 DSCR 25%dn: $-658/mo

$295,000

8638 Deermoss Way W, Jacksonville

3bd2ba Single1,147sf $257/sf Built 1984

Cashflow

$-1,114/mo

CoC ROI

-52.9%

Rent Est

$2,177/mo

HUD FMR · GRM 11.3

Cap Rate

3.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-767/mo🏦 DSCR 25%dn: $-658/mo

🏠 Listing

$349,990💡 🏦 DSCR 25%dn: $-653/mo

$349,990

1954 Hubbard St, Jacksonville

3bd2ba Single2,068sf $169/sf Built 1914

Cashflow

$-1,173/mo

CoC ROI

-47.0%

Rent Est

$2,858/mo

HUD FMR · GRM 10.2

Cap Rate

4.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-783/mo🏦 DSCR 25%dn: $-653/mo

🏠 Listing

$315,000💡 🏦 DSCR 25%dn: $-727/mo

$315,000

1530 Navaho Ave, Jacksonville

6bd3ba Single2,456sf $128/sf Built 1973

Cashflow

$-1,200/mo

CoC ROI

-53.4%

Rent Est

$2,497/mo

HUD FMR · GRM 10.5

Cap Rate

3.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-843/mo🏦 DSCR 25%dn: $-727/mo

🏠 Listing

$365,000💡 🏦 DSCR 25%dn: $-752/mo

$365,000

12675 Green Meadow Dr, Jacksonville

4bd2ba Single1,811sf $202/sf Built 2023

Cashflow

$-1,302/mo

CoC ROI

-50.0%

Rent Est

$2,874/mo

HUD FMR · GRM 10.6

Cap Rate

4.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-887/mo🏦 DSCR 25%dn: $-752/mo

🏠 Listing

$239,000💡 💰 Negotiate: Offer -1% → positive

$239,000

400 E Bay St #1005, Jacksonville

2bd2ba Single1,473sf $162/sf Built 2003

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

🏠 Listing

$475,000💡 🏦 DSCR 25%dn: $-1,813/mo

$475,000

1265 Menna St, Jacksonville

3bd2ba Single1,196sf $397/sf Built 1943

Cashflow

$-2,634/mo

CoC ROI

-77.7%

Rent Est

$2,435/mo

HUD FMR · GRM 16.3

Cap Rate

1.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,989/mo🏦 DSCR 25%dn: $-1,813/mo

🏠 Listing

$499,999💡 🏦 DSCR 25%dn: $-1,914/mo

$499,999

2447 Seaway St, Jacksonville

3bd2ba Single1,356sf $369/sf Built 1970

Cashflow

$-2,777/mo

CoC ROI

-77.8%

Rent Est

$2,572/mo

HUD FMR · GRM 16.2

Cap Rate

1.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,099/mo🏦 DSCR 25%dn: $-1,914/mo

🏠 Listing

$599,999💡 🏦 DSCR 25%dn: $-2,047/mo

$599,999

12424 Tierra Chase Way, Jacksonville

4bd3ba Single2,665sf $225/sf Built 2024

Cashflow

$-3,030/mo

CoC ROI

-70.8%

Rent Est

$3,736/mo

HUD FMR · GRM 13.4

Cap Rate

2.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,269/mo🏦 DSCR 25%dn: $-2,047/mo

🏠 Listing

#	Grade	Type	Property	Price	Rent	Cash In	CF/mo	ROI	Your Cost	Flip Equity
1	A	Single	541 Linwood Ave Jacksonville · 3bd/1.0ba · 1,330sf	$70,000	$???	$???	$???	$???/mo	?.?%	🔒 Unlock Pro
2	A	Single	6303 Hyde Park Hvn Jacksonville · 3bd/2.0ba · 1,364sf	$114,900	$???	$???	$???	$???/mo	?.?%	🔒 Unlock Pro
3	F	Single	2225 Thiervy Dr Jacksonville · 3bd/2.0ba · 1,260sf · 1959	$195,000	$2,127	$16,698	$-203	-14.6%	$1,988/mo	$61,045
4	F	Single	474 Laurina St Jacksonville · 3bd/1.0ba · 1,122sf · 1949	$190,000	$2,029	$16,269	$-222	-16.3%	$1,924/mo	$54,888
5	F	Single	2417 W 25th St Jacksonville · 4bd/2.0ba · 2,280sf · 1955	$200,000	$2,282	$17,126	$-252	-17.7%	$2,171/mo	$76,345
6	F	Single	7065 Plymouth Grove Ct Jacksonville · 4bd/2.0ba · 1,670sf · 2020	$274,900	$2,668	$23,539	$-610	-31.1%	$2,839/mo	$20,885
7	F	Single	6992 Deer Island Rd Jacksonville · 3bd/2.0ba · 1,575sf · 2004	$290,000	$2,455	$24,832	$-899	-43.4%	$2,938/mo	$53,692
8	F	Single	5333 Kellar Cir Jacksonville · 3bd/2.0ba · 1,548sf · 2021	$285,900	$2,432	$24,481	$-898	-44.0%	$2,919/mo	$11,664
9	F	Single	5260 Collins Rd #105 Jacksonville · 3bd/2.5ba · 1,729sf · 2005	$193,900	$2,006	$16,603	$-620	-44.8%	$2,300/mo	$55,371
10	F	Single	5342 Sharon Ter Jacksonville · 3bd/1.0ba · 1,108sf · 1953	$265,000	$2,114	$22,692	$-873	-46.2%	$2,624/mo	$54,678
11	F	Single	1904 Landwood St Jacksonville · 3bd/2.0ba · 1,776sf · 1963	$325,000	$2,633	$27,829	$-1,088	-46.9%	$3,271/mo	$68,785
12	F	Single	1954 Hubbard St Jacksonville · 3bd/2.5ba · 2,068sf · 1914	$349,990	$2,858	$29,969	$-1,173	-47.0%	$3,543/mo	$73,165
13	F	Single	12675 Green Meadow Dr Jacksonville · 4bd/2.0ba · 1,811sf · 2023	$365,000	$2,874	$31,254	$-1,302	-50.0%	$3,681/mo	$13,110
14	F	Single	3737 Loretto Rd #905 Jacksonville · 2bd/2.0ba · 908sf · 1986	$149,900	$1,532	$12,836	$-557	-52.1%	$1,840/mo	$52,302
15	F	Single	8638 Deermoss Way W Jacksonville · 3bd/2.0ba · 1,147sf · 1984	$295,000	$2,177	$25,260	$-1,114	-52.9%	$2,910/mo	$56,560
16	F	Single	1530 Navaho Ave Jacksonville · 6bd/3.0ba · 2,456sf · 1973	$315,000	$2,497	$26,973	$-1,200	-53.4%	$3,268/mo	$83,072
17	F	Single	12424 Tierra Chase Way Jacksonville · 4bd/3.0ba · 2,665sf · 2024	$599,999	$3,736	$51,377	$-3,030	-70.8%	$6,080/mo	$17,808
18	F	Single	1265 Menna St Jacksonville · 3bd/2.0ba · 1,196sf · 1943	$475,000	$2,435	$40,674	$-2,634	-77.7%	$4,593/mo	$60,085
19	F	Single	2447 Seaway St Jacksonville · 3bd/2.0ba · 1,356sf · 1970	$499,999	$2,572	$42,814	$-2,777	-77.8%	$4,848/mo	$62,485
20	F	Single	400 E Bay St #1005 Jacksonville · 2bd/2.0ba · 1,473sf · 2003	$239,000	$1,699	$20,465	$-2,319	-135.9%	$3,717/mo	$52,581

🏠

$70,000

541 Linwood Ave

Jacksonville · 3bd/1.0ba · Single

1,330 sf · Built 1928

🔒 Unlock Pro

—

Cash Flow

—

CoC ROI

—

Cap Rate

—

Cash In

🏠

$114,900

6303 Hyde Park Hvn

Jacksonville · 3bd/2.0ba · Single

1,364 sf · Built 1955

🔒 Unlock Pro

—

Cash Flow

—

CoC ROI

—

Cap Rate

—

Cash In

🏠

$195,000

2225 Thiervy Dr

Jacksonville · 3bd/2.0ba · Single

1,260 sf · Built 1959

$-203

Cash Flow

-14.6%

CoC ROI

7.0%

Cap Rate

$16,698

Cash In

🏠

$190,000

474 Laurina St

Jacksonville · 3bd/1.0ba · Single

1,122 sf · Built 1949

$-222

Cash Flow

-16.3%

CoC ROI

6.8%

Cap Rate

$16,269

Cash In

🏠

$200,000

2417 W 25th St

Jacksonville · 4bd/2.0ba · Single

2,280 sf · Built 1955

$-252

Cash Flow

-17.7%

CoC ROI

6.7%

Cap Rate

$17,126

Cash In

🏠

$274,900

7065 Plymouth Grove Ct

Jacksonville · 4bd/2.0ba · Single

1,670 sf · Built 2020

$-610

Cash Flow

-31.1%

CoC ROI

5.6%

Cap Rate

$23,539

Cash In

🏠

$290,000

6992 Deer Island Rd

Jacksonville · 3bd/2.0ba · Single

1,575 sf · Built 2004

$-899

Cash Flow

-43.4%

CoC ROI

4.5%

Cap Rate

$24,832

Cash In

🏠

$285,900

5333 Kellar Cir

Jacksonville · 3bd/2.0ba · Single

1,548 sf · Built 2021

$-898

Cash Flow

-44.0%

CoC ROI

4.5%

Cap Rate

$24,481

Cash In

🏠

$193,900

5260 Collins Rd #105

Jacksonville · 3bd/2.5ba · Single

1,729 sf · Built 2005

$-620

Cash Flow

-44.8%

CoC ROI

4.4%

Cap Rate

$16,603

Cash In

🏠

$265,000

5342 Sharon Ter

Jacksonville · 3bd/1.0ba · Single

1,108 sf · Built 1953

$-873

Cash Flow

-46.2%

CoC ROI

4.3%

Cap Rate

$22,692

Cash In

🏠

$325,000

1904 Landwood St

Jacksonville · 3bd/2.0ba · Single

1,776 sf · Built 1963

$-1,088

Cash Flow

-46.9%

CoC ROI

4.2%

Cap Rate

$27,829

Cash In

🏠

$349,990

1954 Hubbard St

Jacksonville · 3bd/2.5ba · Single

2,068 sf · Built 1914

$-1,173

Cash Flow

-47.0%

CoC ROI

4.2%

Cap Rate

$29,969

Cash In

🏠

$365,000

12675 Green Meadow Dr

Jacksonville · 4bd/2.0ba · Single

1,811 sf · Built 2023

$-1,302

Cash Flow

-50.0%

CoC ROI

4.0%

Cap Rate

$31,254

Cash In

🏘

$149,900

3737 Loretto Rd #905

Jacksonville · 2bd/2.0ba · Single

908 sf · Built 1986

$-557

Cash Flow

-52.1%

CoC ROI

3.8%

Cap Rate

$12,836

Cash In

🏠

$295,000

8638 Deermoss Way W

Jacksonville · 3bd/2.0ba · Single

1,147 sf · Built 1984

$-1,114

Cash Flow

-52.9%

CoC ROI

3.7%

Cap Rate

$25,260

Cash In

🏠

$315,000

1530 Navaho Ave

Jacksonville · 6bd/3.0ba · Single

2,456 sf · Built 1973

$-1,200

Cash Flow

-53.4%

CoC ROI

3.7%

Cap Rate

$26,973

Cash In

🏠

$599,999

12424 Tierra Chase Way

Jacksonville · 4bd/3.0ba · Single

2,665 sf · Built 2024

$-3,030

Cash Flow

-70.8%

CoC ROI

2.2%

Cap Rate

$51,377

Cash In

🏠

$475,000

1265 Menna St

Jacksonville · 3bd/2.0ba · Single

1,196 sf · Built 1943

$-2,634

Cash Flow

-77.7%

CoC ROI

1.6%

Cap Rate

$40,674

Cash In

🏠

$499,999

2447 Seaway St

Jacksonville · 3bd/2.0ba · Single

1,356 sf · Built 1970

$-2,777

Cash Flow

-77.8%

CoC ROI

1.6%

Cap Rate

$42,814

Cash In

🏘

$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

541 Linwood Ave SingleFL

Jacksonville, FL 32206 · 3bd/1.0ba · 1,330sf

$70,000
Asking Price

Cash Flow
$???/mo

ROI
??.?%

Cash Needed
$???,???

DSCR
?.??

🔒

Pro Deal — Grade A/B deal

Full analysis, FHA breakdown, flip & reno numbers, and owner data

⚡ Unlock Pro →

6303 Hyde Park Hvn SingleFL

Jacksonville, FL 32210 · 3bd/2.0ba · 1,364sf

$114,900
Asking Price

Cash Flow
$???/mo

ROI
??.?%

Cash Needed
$???,???

DSCR
?.??

🔒

Pro Deal — Grade A/B deal

Full analysis, FHA breakdown, flip & reno numbers, and owner data

⚡ Unlock Pro →

2225 Thiervy Dr Single

Jacksonville, FL 32210 · 3bd/2.0ba · 1,260sf · Built 1959

$195,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $6,825

Loan Amount: $191,468

Fees / MIP: $3,293

Closing Costs: $5,850

Reserves (3mo): $4,023

Total Cash Needed: $16,698

Monthly Expenses

Mortgage P&I+MIP: $1,340.86

Property Tax: $316.88

Insurance: $168.00

HOA: $0.00

Maint + CapEx: $227.50

Vacancy + Mgmt: $276.53

Total: $2,329.76/mo

Returns

Market Rent (all units): $2,127

Your Rental Income: $2,127

Cashflow: $-203/mo

Annual: $-2,432/yr

Cash-on-Cash ROI: -14.6%

Cap Rate: 7.0% · DSCR: 0.85x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-203/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: $196/mo (vs $-203/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $214/mo — saves $416/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $370/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-793/mo

STR vs LTR

-59%

BREAKEVEN OCC

58%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-203/mo · STR: $-793/mo · CoC ROI: -39.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,127/mo

RANGE

$2,127 – $2,127

CONFIDENCE

LOW

N/A

Our estimate $2,127/mo ✅ Inline with market

No comparable rentals found in 32210

Purchase + Close$200,850

Reno Cost$88,716

Holding (6mo)$13,979

Total All-In$303,545

ARV$344,761

Selling Costs 8%$27,581

Flip Profit+$13,636

Flip ROI13%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~67 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$11,970	+$13,167	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$88,716

VALUE ADDED

+$149,761

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$61,045)
• Excellent reno ROI (169%)
• Older build (1959) — high value-add potential
• Negative cashflow ($-203/mo) — poor rental hold

👎 IS IT WORTH IT?

PROBABLY NOT — Risky

• Slight negative cashflow — manageable if house-hacking
• Low barrier to entry ($16,698 cash needed)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

49/100

⚠️ Borderline

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

474 Laurina St Single

Jacksonville, FL 32216 · 3bd/1.0ba · 1,122sf · Built 1949

$190,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $6,650

Loan Amount: $186,559

Fees / MIP: $3,209

Closing Costs: $5,700

Reserves (3mo): $3,919

Total Cash Needed: $16,269

Monthly Expenses

Mortgage P&I+MIP: $1,306.48

Property Tax: $308.75

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $221.66

Vacancy + Mgmt: $263.78

Total: $2,250.68/mo

Returns

Market Rent (all units): $2,029

Your Rental Income: $2,029

Cashflow: $-222/mo

Annual: $-2,659/yr

Cash-on-Cash ROI: -16.3%

Cap Rate: 6.8% · DSCR: 0.83x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-222/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: $167/mo (vs $-222/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $184/mo — saves $406/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $449/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-725/mo

STR vs LTR

-56%

BREAKEVEN OCC

57%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-222/mo · STR: $-725/mo · CoC ROI: -36.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,029/mo

RANGE

$2,029 – $2,029

CONFIDENCE

LOW

N/A

Our estimate $2,029/mo ✅ Inline with market

No comparable rentals found in 32216

Purchase + Close$195,700

Reno Cost$80,383

Holding (6mo)$13,504

Total All-In$289,587

ARV$325,270

Selling Costs 8%$26,022

Flip Profit+$9,662

Flip ROI10%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~77 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$10,659	+$11,725	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$80,383

VALUE ADDED

+$135,270

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$54,888)
• Excellent reno ROI (168%)
• Older build (1949) — high value-add potential
• Negative cashflow ($-222/mo) — poor rental hold

👎 IS IT WORTH IT?

PROBABLY NOT — Risky

• Slight negative cashflow — manageable if house-hacking
• Low barrier to entry ($16,269 cash needed)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

6/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

50/100

⚠️ Borderline

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

2417 W 25th St Single

Jacksonville, FL 32209 · 4bd/2.0ba · 2,280sf · Built 1955

$200,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $7,000

Loan Amount: $196,378

Fees / MIP: $3,378

Closing Costs: $6,000

Reserves (3mo): $4,126

Total Cash Needed: $17,126

Monthly Expenses

Mortgage P&I+MIP: $1,375.24

Property Tax: $325.00

Insurance: $304.00

HOA: $0.00

Maint + CapEx: $233.34

Vacancy + Mgmt: $296.64

Total: $2,534.21/mo

Returns

Market Rent (all units): $2,282

Your Rental Income: $2,282

Cashflow: $-252/mo

Annual: $-3,028/yr

Cash-on-Cash ROI: -17.7%

Cap Rate: 6.7% · DSCR: 0.82x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-252/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: $157/mo (vs $-252/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $175/mo — saves $427/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $1,066/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-666/mo

STR vs LTR

-55%

BREAKEVEN OCC

52%

STR EXPENSES BREAKDOWN

Platform fees: $135
Cleaning: $555
Management (20%): $900
Utilities: $500
Taxes (12%): $540
Other: $410

FURNITURE SETUP

Furniture: $9,700
Appliances: $800
Kitchen + Linens: $1,200
Electronics: $600
Decor + Supplies: $700
Total Setup: $13,300

🛡

LTR is safer bet

LTR: $-252/mo · STR: $-666/mo · CoC ROI: -30.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,281/mo

RANGE

$2,281 – $2,281

CONFIDENCE

LOW

N/A

Our estimate $2,281/mo ✅ Inline with market

No comparable rentals found in 32209

Purchase + Close$206,000

Reno Cost$109,473

Holding (6mo)$15,205

Total All-In$330,678

ARV$385,818

Selling Costs 8%$30,865

Flip Profit+$24,274

Flip ROI20%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~71 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$21,660	+$23,826	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$109,473

VALUE ADDED

+$185,818

OVERALL ROI

170%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$76,345)
• Excellent reno ROI (170%)
• Older build (1955) — high value-add potential
• Negative cashflow ($-252/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Slight negative cashflow — manageable if house-hacking
• Low barrier to entry ($17,126 cash needed)
• Has flip exit strategy if hold doesn't work
• High-crime area (High Risk) — higher risk

🛡 NEIGHBORHOOD SAFETY

2/10 High Risk

Significantly elevated crime rates — factor into investment risk

AI Deal Score

47/100

⚠️ Borderline

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

7065 Plymouth Grove Ct Single

Jacksonville, FL 32220 · 4bd/2.0ba · 1,670sf · Built 2020

$274,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,622

Loan Amount: $269,921

Fees / MIP: $4,642

Closing Costs: $8,247

Reserves (3mo): $5,671

Total Cash Needed: $23,539

Monthly Expenses

Mortgage P&I+MIP: $1,890.27

Property Tax: $446.71

Insurance: $222.67

HOA: $50.00

Maint + CapEx: $320.71

Vacancy + Mgmt: $346.79

Total: $3,277.16/mo

Returns

Market Rent (all units): $2,668

Your Rental Income: $2,668

Cashflow: $-610/mo

Annual: $-7,314/yr

Cash-on-Cash ROI: -31.1%

Cap Rate: 5.6% · DSCR: 0.68x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-610/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: $-47/mo (vs $-610/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-22/mo — saves $587/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $323/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-1,239/mo

STR vs LTR

-57%

BREAKEVEN OCC

58%

STR EXPENSES BREAKDOWN

Platform fees: $135
Cleaning: $555
Management (20%): $900
Utilities: $500
Taxes (12%): $540
Other: $410

FURNITURE SETUP

Furniture: $9,700
Appliances: $800
Kitchen + Linens: $1,200
Electronics: $600
Decor + Supplies: $700
Total Setup: $13,300

🛡

LTR is safer bet

LTR: $-610/mo · STR: $-1,239/mo · CoC ROI: -47.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,667/mo

RANGE

$2,667 – $2,667

CONFIDENCE

LOW

N/A

Our estimate $2,667/mo ✅ Inline with market

No comparable rentals found in 32220

Purchase + Close$283,147

Reno Cost$9,668

Holding (6mo)$19,663

Total All-In$312,477

ARV$305,452

Selling Costs 8%$24,436

Flip Profit$-31,461

Flip ROI-114%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to Pro

TOP UPGRADES BY ROI

📷 Upload photos for AI analysis

Pri	Upgrade	Cost	Value Add	ROI
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,592	+$13,778	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.
HIGH	Landscaping & Curb Appeal	$2,250	+$9,000	400%
📌 Curb appeal sets buyer/tenant first impressions. Highest ROI per dollar — typically done in 1–2 days.
HIGH	Light Fixture Update	$1,800	+$3,600	200%
📌 Replacing dated fixtures with modern LED pendants/recessed lights takes 1–2 days and dramatically modernizes the feel.

RENO COST

$9,668

VALUE ADDED

+$30,552

OVERALL ROI

316%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$20,885)
• Excellent reno ROI (316%)
• Negative cashflow ($-610/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-610/mo)
• Low barrier to entry ($23,539 cash needed)

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

39/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

6992 Deer Island Rd Single

Jacksonville, FL 32244 · 3bd/2.0ba · 1,575sf · Built 2004

$290,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $10,150

Loan Amount: $284,747

Fees / MIP: $4,897

Closing Costs: $8,700

Reserves (3mo): $5,982

Total Cash Needed: $24,832

Monthly Expenses

Mortgage P&I+MIP: $1,994.09

Property Tax: $471.25

Insurance: $210.00

HOA: $21.00

Maint + CapEx: $338.34

Vacancy + Mgmt: $319.20

Total: $3,353.86/mo

Returns

Market Rent (all units): $2,455

Your Rental Income: $2,455

Cashflow: $-899/mo

Annual: $-10,782/yr

Cash-on-Cash ROI: -43.4%

Cap Rate: 4.5% · DSCR: 0.55x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-899/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: $-306/mo (vs $-899/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-279/mo — saves $619/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-654/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,680/mo

STR vs LTR

-67%

BREAKEVEN OCC

71%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-899/mo · STR: $-1,680/mo · CoC ROI: -66.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,455/mo

RANGE

$2,455 – $2,455

CONFIDENCE

LOW

N/A

Our estimate $2,455/mo ✅ Inline with market

No comparable rentals found in 32244

Purchase + Close$298,700

Reno Cost$55,656

Holding (6mo)$20,123

Total All-In$374,479

ARV$399,349

Selling Costs 8%$31,948

Flip Profit$-7,079

Flip ROI-10%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~22 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,331	+$12,994	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	New Water Heater	$2,650	+$3,445	130%
📌 Water heaters last 10–15 yrs. At ~22 yrs, replacement likely before or shortly after purchase.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$55,656

VALUE ADDED

+$109,349

OVERALL ROI

196%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$53,692)
• Excellent reno ROI (196%)
• Negative cashflow ($-899/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-899/mo)
• Low barrier to entry ($24,832 cash needed)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

39/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

5333 Kellar Cir Single

Jacksonville, FL 32218 · 3bd/2.0ba · 1,548sf · Built 2021

$285,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $10,006

Loan Amount: $280,722

Fees / MIP: $4,828

Closing Costs: $8,577

Reserves (3mo): $5,898

Total Cash Needed: $24,481

Monthly Expenses

Mortgage P&I+MIP: $1,965.90

Property Tax: $464.59

Insurance: $206.40

HOA: $44.00

Maint + CapEx: $333.55

Vacancy + Mgmt: $316.19

Total: $3,330.63/mo

Returns

Market Rent (all units): $2,432

Your Rental Income: $2,432

Cashflow: $-898/mo

Annual: $-10,781/yr

Cash-on-Cash ROI: -44.0%

Cap Rate: 4.5% · DSCR: 0.54x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-898/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: $-314/mo (vs $-898/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-288/mo — saves $611/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-631/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,663/mo

STR vs LTR

-67%

BREAKEVEN OCC

70%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-898/mo · STR: $-1,663/mo · CoC ROI: -66.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,432/mo

RANGE

$2,432 – $2,432

CONFIDENCE

LOW

N/A

Our estimate $2,432/mo ✅ Inline with market

No comparable rentals found in 32218

Purchase + Close$294,477

Reno Cost$5,282

Holding (6mo)$19,984

Total All-In$319,743

ARV$302,846

Selling Costs 8%$24,228

Flip Profit$-41,124

Flip ROI-172%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to Pro

TOP UPGRADES BY ROI

📷 Upload photos for AI analysis

Pri	Upgrade	Cost	Value Add	ROI
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,257	+$12,771	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$5,282

VALUE ADDED

+$16,946

OVERALL ROI

321%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (321%)
• Negative cashflow ($-898/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-898/mo)
• Low barrier to entry ($24,481 cash needed)

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

38/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

5260 Collins Rd #105 Single

Jacksonville, FL 32244 · 3bd/2.5ba · 1,729sf · Built 2005

$193,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $6,786

Loan Amount: $190,388

Fees / MIP: $3,274

Closing Costs: $5,817

Reserves (3mo): $4,000

Total Cash Needed: $16,603

Monthly Expenses

Mortgage P&I+MIP: $1,333.29

Property Tax: $315.09

Insurance: $230.53

HOA: $260.00

Maint + CapEx: $226.21

Vacancy + Mgmt: $260.83

Total: $2,625.96/mo

Returns

Market Rent (all units): $2,006

Your Rental Income: $2,006

Cashflow: $-620/mo

Annual: $-7,435/yr

Cash-on-Cash ROI: -44.8%

Cap Rate: 4.4% · DSCR: 0.54x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-620/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: $-223/mo (vs $-620/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-205/mo — saves $414/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $74/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,131/mo

STR vs LTR

-61%

BREAKEVEN OCC

63%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-620/mo · STR: $-1,131/mo · CoC ROI: -56.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,006/mo

RANGE

$2,006 – $2,006

CONFIDENCE

LOW

N/A

Our estimate $2,006/mo ✅ Inline with market

No comparable rentals found in 32244

Purchase + Close$199,717

Reno Cost$57,004

Holding (6mo)$15,756

Total All-In$272,477

ARV$306,275

Selling Costs 8%$24,502

Flip Profit+$9,296

Flip ROI13%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~21 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,755	+$14,264	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	New Water Heater	$2,650	+$3,445	130%
📌 Water heaters last 10–15 yrs. At ~21 yrs, replacement likely before or shortly after purchase.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$57,004

VALUE ADDED

+$112,375

OVERALL ROI

197%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$55,371)
• Excellent reno ROI (197%)
• Negative cashflow ($-620/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-620/mo)
• Low barrier to entry ($16,603 cash needed)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

39/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

5342 Sharon Ter Single

Jacksonville, FL 32207 · 3bd/1.0ba · 1,108sf · Built 1953

$265,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,275

Loan Amount: $260,200

Fees / MIP: $4,475

Closing Costs: $7,950

Reserves (3mo): $5,467

Total Cash Needed: $22,692

Monthly Expenses

Mortgage P&I+MIP: $1,822.20

Property Tax: $430.62

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $309.16

Vacancy + Mgmt: $274.76

Total: $2,986.75/mo

Returns

Market Rent (all units): $2,114

Your Rental Income: $2,114

Cashflow: $-873/mo

Annual: $-10,479/yr

Cash-on-Cash ROI: -46.2%

Cap Rate: 4.3% · DSCR: 0.52x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-873/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: $-331/mo (vs $-873/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-307/mo — saves $566/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-287/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,363/mo

STR vs LTR

-58%

BREAKEVEN OCC

66%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-873/mo · STR: $-1,363/mo · CoC ROI: -57.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,113/mo

RANGE

$2,113 – $2,113

CONFIDENCE

LOW

N/A

Our estimate $2,113/mo ✅ Inline with market

No comparable rentals found in 32207

Purchase + Close$272,950

Reno Cost$80,098

Holding (6mo)$17,920

Total All-In$370,968

ARV$399,775

Selling Costs 8%$31,982

Flip Profit$-3,175

Flip ROI-3%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~73 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$10,526	+$11,579	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$80,098

VALUE ADDED

+$134,775

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$54,678)
• Excellent reno ROI (168%)
• Older build (1953) — high value-add potential
• Negative cashflow ($-873/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-873/mo)
• Low barrier to entry ($22,692 cash needed)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

6/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

36/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1904 Landwood St Single

Jacksonville, FL 32211 · 3bd/2.0ba · 1,776sf · Built 1963

$325,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $11,375

Loan Amount: $319,113

Fees / MIP: $5,488

Closing Costs: $9,750

Reserves (3mo): $6,704

Total Cash Needed: $27,829

Monthly Expenses

Mortgage P&I+MIP: $2,234.76

Property Tax: $528.12

Insurance: $236.80

HOA: $0.00

Maint + CapEx: $379.16

Vacancy + Mgmt: $342.26

Total: $3,721.11/mo

Returns

Market Rent (all units): $2,633

Your Rental Income: $2,633

Cashflow: $-1,088/mo

Annual: $-13,060/yr

Cash-on-Cash ROI: -46.9%

Cap Rate: 4.2% · DSCR: 0.51x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,088/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: $-424/mo (vs $-1,088/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-394/mo — saves $694/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,994/mo

STR vs LTR

-71%

BREAKEVEN OCC

75%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-1,088/mo · STR: $-1,994/mo · CoC ROI: -73.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,632/mo

RANGE

$2,632 – $2,632

CONFIDENCE

LOW

N/A

Our estimate $2,632/mo ✅ Inline with market

No comparable rentals found in 32211

Purchase + Close$334,750

Reno Cost$99,217

Holding (6mo)$22,327

Total All-In$456,293

ARV$493,002

Selling Costs 8%$39,440

Flip Profit$-2,732

Flip ROI-2%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~63 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$16,872	+$18,559	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$99,217

VALUE ADDED

+$168,002

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$68,785)
• Excellent reno ROI (169%)
• Older build (1963) — high value-add potential
• Negative cashflow ($-1,088/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,088/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

35/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1954 Hubbard St Single

Jacksonville, FL 32206 · 3bd/2.5ba · 2,068sf · Built 1914

$349,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $12,250

Loan Amount: $343,651

Fees / MIP: $5,910

Closing Costs: $10,500

Reserves (3mo): $7,220

Total Cash Needed: $29,969

Monthly Expenses

Mortgage P&I+MIP: $2,406.60

Property Tax: $568.73

Insurance: $275.73

HOA: $0.00

Maint + CapEx: $408.32

Vacancy + Mgmt: $371.56

Total: $4,030.95/mo

Returns

Market Rent (all units): $2,858

Your Rental Income: $2,858

Cashflow: $-1,173/mo

Annual: $-14,073/yr

Cash-on-Cash ROI: -47.0%

Cap Rate: 4.2% · DSCR: 0.51x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,173/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: $-457/mo (vs $-1,173/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-425/mo — saves $747/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-2,261/mo

STR vs LTR

-75%

BREAKEVEN OCC

79%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-1,173/mo · STR: $-2,261/mo · CoC ROI: -79.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,858/mo

RANGE

$2,858 – $2,858

CONFIDENCE

LOW

N/A

Our estimate $2,858/mo ✅ Inline with market

No comparable rentals found in 32206

Purchase + Close$360,490

Reno Cost$105,159

Holding (6mo)$24,186

Total All-In$489,834

ARV$528,314

Selling Costs 8%$42,265

Flip Profit$-3,786

Flip ROI-3%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~112 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$19,646	+$21,611	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$105,159

VALUE ADDED

+$178,324

OVERALL ROI

170%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$73,165)
• Excellent reno ROI (170%)
• Older build (1914) — high value-add potential
• Negative cashflow ($-1,173/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,173/mo)
• Has flip exit strategy if hold doesn't work
• High-crime area (Below Average) — higher risk

🛡 NEIGHBORHOOD SAFETY

3/10 Below Average

Higher than average crime rates in this area

AI Deal Score

33/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

12675 Green Meadow Dr Single

Jacksonville, FL 32218 · 4bd/2.0ba · 1,811sf · Built 2023

$365,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $12,775

Loan Amount: $358,389

Fees / MIP: $6,164

Closing Costs: $10,950

Reserves (3mo): $7,529

Total Cash Needed: $31,254

Monthly Expenses

Mortgage P&I+MIP: $2,509.82

Property Tax: $593.12

Insurance: $241.47

HOA: $32.00

Maint + CapEx: $425.84

Vacancy + Mgmt: $373.62

Total: $4,175.87/mo

Returns

Market Rent (all units): $2,874

Your Rental Income: $2,874

Cashflow: $-1,302/mo

Annual: $-15,622/yr

Cash-on-Cash ROI: -50.0%

Cap Rate: 4.0% · DSCR: 0.48x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,302/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: $-555/mo (vs $-1,302/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-522/mo — saves $780/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-576/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,013/mo

STR vs LTR

-61%

BREAKEVEN OCC

67%

STR EXPENSES BREAKDOWN

Platform fees: $135
Cleaning: $555
Management (20%): $900
Utilities: $500
Taxes (12%): $540
Other: $410

FURNITURE SETUP

Furniture: $9,700
Appliances: $800
Kitchen + Linens: $1,200
Electronics: $600
Decor + Supplies: $700
Total Setup: $13,300

🛡

LTR is safer bet

LTR: $-1,302/mo · STR: $-2,013/mo · CoC ROI: -65.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,874/mo

RANGE

$2,874 – $2,874

CONFIDENCE

LOW

N/A

Our estimate $2,874/mo ✅ Inline with market

No comparable rentals found in 32218

Purchase + Close$375,950

Reno Cost$6,005

Holding (6mo)$25,055

Total All-In$407,010

ARV$384,116

Selling Costs 8%$30,729

Flip Profit$-53,624

Flip ROI-180%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to Pro

TOP UPGRADES BY ROI

📷 Upload photos for AI analysis

Pri	Upgrade	Cost	Value Add	ROI
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,980	+$14,941	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$6,005

VALUE ADDED

+$19,116

OVERALL ROI

318%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (318%)
• Negative cashflow ($-1,302/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,302/mo)

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

29/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

3737 Loretto Rd #905 Single

Jacksonville, FL 32223 · 2bd/2.0ba · 908sf · Built 1986

$149,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $5,246

Loan Amount: $147,185

Fees / MIP: $2,531

Closing Costs: $4,497

Reserves (3mo): $3,092

Total Cash Needed: $12,836

Monthly Expenses

Mortgage P&I+MIP: $1,030.74

Property Tax: $243.59

Insurance: $150.00

HOA: $291.00

Maint + CapEx: $174.89

Vacancy + Mgmt: $199.20

Total: $2,089.41/mo

Returns

Market Rent (all units): $1,532

Your Rental Income: $1,532

Cashflow: $-557/mo

Annual: $-6,685/yr

Cash-on-Cash ROI: -52.1%

Cap Rate: 3.8% · DSCR: 0.46x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-557/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: $-251/mo (vs $-557/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-237/mo — saves $320/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-976/mo

STR vs LTR

-62%

BREAKEVEN OCC

68%

STR EXPENSES BREAKDOWN

Platform fees: $87
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

🛡

LTR is safer bet

LTR: $-557/mo · STR: $-976/mo · CoC ROI: -61.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,532/mo

RANGE

$1,532 – $1,532

CONFIDENCE

LOW

N/A

Our estimate $1,532/mo ✅ Inline with market

No comparable rentals found in 32223

Purchase + Close$154,397

Reno Cost$60,527

Holding (6mo)$12,536

Total All-In$227,460

ARV$262,729

Selling Costs 8%$21,018

Flip Profit+$14,251

Flip ROI20%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~40 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$2,497	+$7,491	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
CRIT	GFCI Outlets (Kitchen/Bath)	$1,650	+$1,650	100%
📌 No additional notes available.

RENO COST

$60,527

VALUE ADDED

+$112,829

OVERALL ROI

186%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$52,302)
• Excellent reno ROI (186%)
• Aging property (1986) — renovation upside
• Negative cashflow ($-557/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-557/mo)
• Low barrier to entry ($12,836 cash needed)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

7/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

36/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

8638 Deermoss Way W Single

Jacksonville, FL 32217 · 3bd/2.0ba · 1,147sf · Built 1984

$295,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $10,325

Loan Amount: $289,657

Fees / MIP: $4,982

Closing Costs: $8,850

Reserves (3mo): $6,085

Total Cash Needed: $25,260

Monthly Expenses

Mortgage P&I+MIP: $2,028.48

Property Tax: $479.38

Insurance: $152.93

HOA: $3.00

Maint + CapEx: $344.16

Vacancy + Mgmt: $283.01

Total: $3,290.96/mo

Returns

Market Rent (all units): $2,177

Your Rental Income: $2,177

Cashflow: $-1,114/mo

Annual: $-13,368/yr

Cash-on-Cash ROI: -52.9%

Cap Rate: 3.7% · DSCR: 0.45x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,114/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: $-511/mo (vs $-1,114/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-484/mo — saves $630/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-591/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,625/mo

STR vs LTR

-59%

BREAKEVEN OCC

70%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-1,114/mo · STR: $-1,625/mo · CoC ROI: -63.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,176/mo

RANGE

$2,176 – $2,176

CONFIDENCE

LOW

N/A

Our estimate $2,176/mo ✅ Inline with market

No comparable rentals found in 32217

Purchase + Close$303,850

Reno Cost$72,120

Holding (6mo)$19,746

Total All-In$395,716

ARV$423,680

Selling Costs 8%$33,894

Flip Profit$-5,930

Flip ROI-6%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~42 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$3,154	+$9,463	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$72,120

VALUE ADDED

+$128,680

OVERALL ROI

178%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$56,560)
• Excellent reno ROI (178%)
• Older build (1984) — high value-add potential
• Negative cashflow ($-1,114/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,114/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

6/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

31/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1530 Navaho Ave Single

Jacksonville, FL 32210 · 6bd/3.0ba · 2,456sf · Built 1973

$315,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $11,025

Loan Amount: $309,295

Fees / MIP: $5,320

Closing Costs: $9,450

Reserves (3mo): $6,498

Total Cash Needed: $26,973

Monthly Expenses

Mortgage P&I+MIP: $2,166.00

Property Tax: $511.88

Insurance: $327.47

HOA: $0.00

Maint + CapEx: $367.50

Vacancy + Mgmt: $324.67

Total: $3,697.51/mo

Returns

Market Rent (all units): $2,497

Your Rental Income: $2,497

Cashflow: $-1,200/mo

Annual: $-14,400/yr

Cash-on-Cash ROI: -53.4%

Cap Rate: 3.7% · DSCR: 0.45x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,200/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: $-556/mo (vs $-1,200/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-527/mo — saves $673/mo.

👥 Rent by Room

Rent 6 rooms at ~$900/room = $5,400/mo. Projected cashflow: $1,702/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,076/mo

STR vs LTR

-76%

BREAKEVEN OCC

67%

STR EXPENSES BREAKDOWN

Platform fees: $135
Cleaning: $705
Management (20%): $900
Utilities: $650
Taxes (12%): $540
Other: $510

FURNITURE SETUP

Furniture: $13,300
Appliances: $800
Kitchen + Linens: $1,500
Electronics: $600
Decor + Supplies: $700
Total Setup: $17,200

🛡

LTR is safer bet

LTR: $-1,200/mo · STR: $-2,076/mo · CoC ROI: -66.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,497/mo

RANGE

$2,497 – $2,497

CONFIDENCE

LOW

N/A

Our estimate $2,497/mo ✅ Inline with market

No comparable rentals found in 32210

Purchase + Close$324,450

Reno Cost$118,580

Holding (6mo)$22,185

Total All-In$465,215

ARV$516,652

Selling Costs 8%$41,332

Flip Profit+$10,105

Flip ROI7%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~53 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$23,332	+$25,665	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$118,580

VALUE ADDED

+$201,652

OVERALL ROI

170%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$83,072)
• Excellent reno ROI (170%)
• Older build (1973) — high value-add potential
• Negative cashflow ($-1,200/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,200/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

30/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

12424 Tierra Chase Way Single

Jacksonville, FL 32225 · 4bd/3.0ba · 2,665sf · Built 2024

$599,999
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $21,000

Loan Amount: $589,132

Fees / MIP: $10,132

Closing Costs: $18,000

Reserves (3mo): $12,377

Total Cash Needed: $51,377

Monthly Expenses

Mortgage P&I+MIP: $4,125.71

Property Tax: $975.00

Insurance: $355.33

HOA: $124.00

Maint + CapEx: $700.00

Vacancy + Mgmt: $485.63

Total: $6,765.68/mo

Returns

Market Rent (all units): $3,736

Your Rental Income: $3,736

Cashflow: $-3,030/mo

Annual: $-36,360/yr

Cash-on-Cash ROI: -70.8%

Cap Rate: 2.2% · DSCR: 0.27x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,030/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: $-1,803/mo (vs $-3,030/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,749/mo — saves $1,281/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-4,262/mo

STR vs LTR

-74%

BREAKEVEN OCC

92%

STR EXPENSES BREAKDOWN

Platform fees: $135
Cleaning: $555
Management (20%): $900
Utilities: $500
Taxes (12%): $540
Other: $410

FURNITURE SETUP

Furniture: $9,700
Appliances: $800
Kitchen + Linens: $1,200
Electronics: $600
Decor + Supplies: $700
Total Setup: $13,300

🛡

LTR is safer bet

LTR: $-3,030/mo · STR: $-4,262/mo · CoC ROI: -97.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,735/mo

RANGE

$3,735 – $3,735

CONFIDENCE

LOW

N/A

Our estimate $3,735/mo ✅ Inline with market

No comparable rentals found in 32225

Purchase + Close$617,999

Reno Cost$8,354

Holding (6mo)$40,594

Total All-In$666,947

ARV$626,160

Selling Costs 8%$50,093

Flip Profit$-90,879

Flip ROI-192%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to Pro

TOP UPGRADES BY ROI

📷 Upload photos for AI analysis

Pri	Upgrade	Cost	Value Add	ROI
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$7,329	+$21,986	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$8,354

VALUE ADDED

+$26,161

OVERALL ROI

313%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (313%)
• Negative cashflow ($-3,030/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,030/mo)

🛡 NEIGHBORHOOD SAFETY

6/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

31/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1265 Menna St Single

Jacksonville, FL 32205 · 3bd/2.0ba · 1,196sf · Built 1943

$475,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $16,625

Loan Amount: $466,397

Fees / MIP: $8,022

Closing Costs: $14,250

Reserves (3mo): $9,799

Total Cash Needed: $40,674

Monthly Expenses

Mortgage P&I+MIP: $3,266.20

Property Tax: $771.88

Insurance: $159.47

HOA: $0.00

Maint + CapEx: $554.16

Vacancy + Mgmt: $316.49

Total: $5,068.20/mo

Returns

Market Rent (all units): $2,435

Your Rental Income: $2,435

Cashflow: $-2,634/mo

Annual: $-31,604/yr

Cash-on-Cash ROI: -77.7%

Cap Rate: 1.6% · DSCR: 0.19x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,634/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: $-1,662/mo (vs $-2,634/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,619/mo — saves $1,014/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-2,368/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-3,161/mo

STR vs LTR

-64%

BREAKEVEN OCC

92%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-2,634/mo · STR: $-3,161/mo · CoC ROI: -89.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,434/mo

RANGE

$2,434 – $2,434

CONFIDENCE

LOW

N/A

Our estimate $2,434/mo ✅ Inline with market

No comparable rentals found in 32205

Purchase + Close$489,250

Reno Cost$87,414

Holding (6mo)$30,409

Total All-In$607,073

ARV$622,499

Selling Costs 8%$49,800

Flip Profit$-34,374

Flip ROI-29%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~83 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$11,362	+$12,498	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$87,414

VALUE ADDED

+$147,499

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$60,085)
• Excellent reno ROI (169%)
• Older build (1943) — high value-add potential
• Negative cashflow ($-2,634/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,634/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

22/100

❌ Skip

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

2447 Seaway St Single

Jacksonville, FL 32233 · 3bd/2.0ba · 1,356sf · Built 1970

$499,999
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $17,500

Loan Amount: $490,943

Fees / MIP: $8,444

Closing Costs: $15,000

Reserves (3mo): $10,314

Total Cash Needed: $42,814

Monthly Expenses

Mortgage P&I+MIP: $3,438.10

Property Tax: $812.50

Insurance: $180.80

HOA: $0.00

Maint + CapEx: $583.34

Vacancy + Mgmt: $334.39

Total: $5,349.12/mo

Returns

Market Rent (all units): $2,572

Your Rental Income: $2,572

Cashflow: $-2,777/mo

Annual: $-33,323/yr

Cash-on-Cash ROI: -77.8%

Cap Rate: 1.6% · DSCR: 0.19x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,777/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: $-1,755/mo (vs $-2,777/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,709/mo — saves $1,068/mo.

✈️ AIRBNB / SHORT-TERM RENTAL ANALYSIS LEGAL Confidence: 60%

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-3,404/mo

STR vs LTR

-67%

BREAKEVEN OCC

96%

STR EXPENSES BREAKDOWN

Platform fees: $110
Cleaning: $509
Management (20%): $731
Utilities: $425
Taxes (12%): $439
Other: $343

FURNITURE SETUP

Furniture: $7,900
Appliances: $800
Kitchen + Linens: $1,050
Electronics: $600
Decor + Supplies: $700
Total Setup: $11,350

🛡

LTR is safer bet

LTR: $-2,777/mo · STR: $-3,404/mo · CoC ROI: -93.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,572/mo

RANGE

$2,572 – $2,572

CONFIDENCE

LOW

N/A

Our estimate $2,572/mo ✅ Inline with market

No comparable rentals found in 32233

Purchase + Close$514,999

Reno Cost$90,670

Holding (6mo)$32,095

Total All-In$637,763

ARV$653,154

Selling Costs 8%$52,252

Flip Profit$-36,862

Flip ROI-30%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~56 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$12,882	+$14,170	110%
📌 No additional notes available.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.

RENO COST

$90,670

VALUE ADDED

+$153,155

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$62,485)
• Excellent reno ROI (169%)
• Older build (1970) — high value-add potential
• Negative cashflow ($-2,777/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,777/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

22/100

❌ Skip

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

400 E Bay St #1005 Single

Jacksonville, FL 32202 · 2bd/2.0ba · 1,473sf · Built 2003

$239,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

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

FURNITURE SETUP

Furniture: $6,100
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

Purchase + Close$246,170

Reno Cost$54,764

Holding (6mo)$24,108

Total All-In$325,041

ARV$346,344

Selling Costs 8%$27,708

Flip Profit$-6,404

Flip ROI-9%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

AI deal narrative, risk flags, financing strategy & exit analysis from Claude

Upgrade to 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%
📌 This property is ~23 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$4,051	+$12,152	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	New Water Heater	$2,650	+$3,445	130%
📌 Water heaters last 10–15 yrs. At ~23 yrs, replacement likely before or shortly after purchase.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$54,764

VALUE ADDED

+$107,344

OVERALL ROI

196%

🔨 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

AI Deal Score

26/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

🏠 OWNER / LANDLORD
Owner Not Yet Found County records searched automatically — open for manual lookup:
🔍 Search Duval County Property Appraiser →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

SpillFeed · live

View all →

Carlos M.4h ago

💾 saved a deal

7104 SW 114th Pl Unit A

💾 saved 7104 SW 114th Pl Unit A — $-2,570/mo cash flow F grade

SpillDeals v5 · Estimates only — verify before making offers

♥ Saved Properties

Florida Investment Property Deals — Graded A–F | SpillDeals

Property Breakdowns

541 Linwood Ave SingleFL

6303 Hyde Park Hvn SingleFL

2225 Thiervy Dr Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

474 Laurina St Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

2417 W 25th St Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

7065 Plymouth Grove Ct Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

6992 Deer Island Rd Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

5333 Kellar Cir Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

5260 Collins Rd #105 Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

5342 Sharon Ter Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

1904 Landwood St Single

Monthly Expenses

Returns