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, FL”

70 of 70 properties · ✕ Clear filters · Search: “Jacksonville, FL” — 70 result(s)

1 A · 59 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

$150,000💡 🏦 DSCR 25%dn: +$163/mo

$150,000

3636 Hartsfield Forest Cir, Jacksonville

3bd2ba Single1,701sf $88/sf Built 2013

Cashflow

$-3/mo

CoC ROI

-0.3%

Rent Est

$1,924/mo

HUD FMR · GRM 6.5

Cap Rate

8.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: +$107/mo🏦 DSCR 25%dn: +$163/mo

🏠 Listing

$160,000💡 🏦 DSCR 25%dn: +$108/mo

$160,000

8149 Justin Rd S, Jacksonville

3bd2ba Single1,658sf $97/sf Built 1984

Cashflow

$-78/mo

CoC ROI

-6.8%

Rent Est

$1,943/mo

HUD FMR · GRM 6.9

Cap Rate

7.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: +$49/mo🏦 DSCR 25%dn: +$108/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

$225,000💡 🏦 DSCR 25%dn: $-348/mo

$225,000

3355 Mandarin Glen Dr, Jacksonville

2bd2ba Single1,362sf $165/sf Built 1995

Cashflow

$-670/mo

CoC ROI

-41.8%

Rent Est

$1,983/mo

HUD FMR · GRM 9.5

Cap Rate

4.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-431/mo🏦 DSCR 25%dn: $-348/mo

🏠 Listing

🏆

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

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

⚡ Start Free Trial

$260,000💡 🏦 DSCR 25%dn: $-351/mo

$260,000

877 Jackson Rd, Jacksonville

3bd2ba Single1,336sf $195/sf Built 1991

Cashflow

$-727/mo

CoC ROI

-39.2%

Rent Est

$2,259/mo

HUD FMR · GRM 9.6

Cap Rate

4.9%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-448/mo🏦 DSCR 25%dn: $-351/mo

🏠 Listing

$199,000💡 🏦 DSCR 25%dn: $-544/mo

$199,000

7801 Point Meadows Dr #7308, Jacksonville

3bd2ba Single1,247sf $160/sf Built 2003

Cashflow

$-808/mo

CoC ROI

-56.9%

Rent Est

$2,016/mo

HUD FMR · GRM 8.2

Cap Rate

3.4%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-618/mo🏦 DSCR 25%dn: $-544/mo

🏠 Listing

$260,000💡 🏦 DSCR 25%dn: $-669/mo

$260,000

11750 White Horse Rd, Jacksonville

2bd2ba Single1,052sf $247/sf Built 1985

Cashflow

$-1,080/mo

CoC ROI

-58.2%

Rent Est

$1,821/mo

HUD FMR · GRM 11.9

Cap Rate

3.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-766/mo🏦 DSCR 25%dn: $-669/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

$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

$370,000💡 🏦 DSCR 25%dn: $-972/mo

$370,000

10464 Osprey Nest Dr W, Jacksonville

3bd2ba Single1,616sf $229/sf Built 1990

Cashflow

$-1,556/mo

CoC ROI

-58.9%

Rent Est

$2,583/mo

HUD FMR · GRM 11.9

Cap Rate

3.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,108/mo🏦 DSCR 25%dn: $-972/mo

🏠 Listing

$430,000💡 🏦 DSCR 25%dn: $-1,018/mo

$430,000

12290 Hagan Creek Dr W, Jacksonville

4bd3ba Single2,283sf $188/sf Built 2007

Cashflow

$-1,675/mo

CoC ROI

-54.6%

Rent Est

$3,269/mo

HUD FMR · GRM 11.0

Cap Rate

3.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,177/mo🏦 DSCR 25%dn: $-1,018/mo

🏠 Listing

$450,000💡 🏦 DSCR 25%dn: $-1,208/mo

$450,000

10954 Heathfield Rd, Jacksonville

4bd2ba Single2,022sf $223/sf Built 1989

Cashflow

$-1,920/mo

CoC ROI

-59.8%

Rent Est

$3,121/mo

HUD FMR · GRM 12.0

Cap Rate

3.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,375/mo🏦 DSCR 25%dn: $-1,208/mo

🏠 Listing

$269,500💡 🏦 DSCR 25%dn: $-1,510/mo

$269,500

120 14th Ave #12, Jacksonville

1bd1ba Single447sf $603/sf Built 1928

Cashflow

$-1,981/mo

CoC ROI

-103.0%

Rent Est

$1,312/mo

HUD FMR · GRM 17.1

Cap Rate

-0.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,610/mo🏦 DSCR 25%dn: $-1,510/mo

🏠 Listing

$250,000💡 🏦 DSCR 25%dn: $-1,576/mo

$250,000

425 Vine St #421, Jacksonville

1bd1ba Single349sf $716/sf Built 1998

Cashflow

$-2,014/mo

CoC ROI

-112.9%

Rent Est

$1,215/mo

HUD FMR · GRM 17.1

Cap Rate

-1.4%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,669/mo🏦 DSCR 25%dn: $-1,576/mo

🏠 Listing

$479,900💡 🏦 DSCR 25%dn: $-1,296/mo

$479,900

4250 Davinci Ave, Jacksonville

5bd2ba Single2,259sf $212/sf Built 1924

Cashflow

$-2,056/mo

CoC ROI

-60.0%

Rent Est

$3,316/mo

HUD FMR · GRM 12.1

Cap Rate

3.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,473/mo🏦 DSCR 25%dn: $-1,296/mo

🏠 Listing

$525,000💡 🏦 DSCR 25%dn: $-1,401/mo

$525,000

10224 Hamlet Glen Dr, Jacksonville

4bd2ba Single2,849sf $184/sf Built 1997

Cashflow

$-2,222/mo

CoC ROI

-59.3%

Rent Est

$3,764/mo

HUD FMR · GRM 11.6

Cap Rate

3.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,595/mo🏦 DSCR 25%dn: $-1,401/mo

🏠 Listing

$300,000💡 🏦 DSCR 25%dn: $-1,687/mo

$300,000

3624 Whitman Ave N #1, Jacksonville

1bd1ba Single370sf $811/sf Built 1906

Cashflow

$-2,225/mo

CoC ROI

-103.9%

Rent Est

$1,293/mo

HUD FMR · GRM 19.3

Cap Rate

-0.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,798/mo🏦 DSCR 25%dn: $-1,687/mo

🏠 Listing

$285,000💡 🏦 DSCR 25%dn: $-1,739/mo

$285,000

3045 20th Ave W #209, Jacksonville

1bd1ba Single584sf $488/sf Built 1988

Cashflow

$-2,234/mo

CoC ROI

-109.8%

Rent Est

$1,432/mo

HUD FMR · GRM 16.6

Cap Rate

-1.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,844/mo🏦 DSCR 25%dn: $-1,739/mo

🏠 Listing

$295,000💡 🏦 DSCR 25%dn: $-1,770/mo

$295,000

1323 Boren Ave #206, Jacksonville

1bd1ba Single545sf $541/sf Built 2001

Cashflow

$-2,287/mo

CoC ROI

-108.7%

Rent Est

$1,416/mo

HUD FMR · GRM 17.4

Cap Rate

-1.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,879/mo🏦 DSCR 25%dn: $-1,770/mo

🏠 Listing

$250,000💡 💰 Negotiate: Offer -1% → positive

$250,000

626 4th Ave W #104, Jacksonville

1bd1ba Single533sf $469/sf Built 1996

Cashflow

$-2,345/mo

CoC ROI

-131.4%

Rent Est

$1,351/mo

HUD FMR · GRM 15.4

Cap Rate

-3.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,011/mo🏦 DSCR 25%dn: $-1,918/mo💰 Negotiate: Offer -1% → positive

🏠 Listing

$299,997💡 🏦 DSCR 25%dn: $-1,840/mo

$299,997

519 W Roy St #413, Jacksonville

1bd1ba Single531sf $565/sf Built 1930

Cashflow

$-2,368/mo

CoC ROI

-110.6%

Rent Est

$1,412/mo

HUD FMR · GRM 17.7

Cap Rate

-1.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,951/mo🏦 DSCR 25%dn: $-1,840/mo

🏠 Listing

$345,000💡 🏦 DSCR 25%dn: $-1,860/mo

$345,000

14531 Dayton Ave N #1, Jacksonville

2bd1ba Single893sf $386/sf Built 1966

Cashflow

$-2,446/mo

CoC ROI

-99.4%

Rent Est

$1,884/mo

HUD FMR · GRM 15.3

Cap Rate

-0.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,987/mo🏦 DSCR 25%dn: $-1,860/mo

🏠 Listing

$350,000💡 🏦 DSCR 25%dn: $-1,830/mo

$350,000

2031 NW 59th St #301, Jacksonville

1bd1ba Single696sf $503/sf Built 1978

Cashflow

$-2,451/mo

CoC ROI

-98.1%

Rent Est

$1,596/mo

HUD FMR · GRM 18.3

Cap Rate

-0.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,960/mo🏦 DSCR 25%dn: $-1,830/mo

🏠 Listing

$325,000💡 🏦 DSCR 25%dn: $-1,960/mo

$325,000

4725 15th Ave NE #12, Jacksonville

1bd1ba Single739sf $440/sf Built 1923

Cashflow

$-2,527/mo

CoC ROI

-109.0%

Rent Est

$1,596/mo

HUD FMR · GRM 17.0

Cap Rate

-1.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,080/mo🏦 DSCR 25%dn: $-1,960/mo

🏠 Listing

$549,900💡 🏦 DSCR 25%dn: $-1,718/mo

$549,900

12647 Julington Oaks Dr, Jacksonville

4bd2ba Single2,492sf $221/sf Built 2014

Cashflow

$-2,608/mo

CoC ROI

-66.5%

Rent Est

$3,558/mo

HUD FMR · GRM 12.9

Cap Rate

2.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,921/mo🏦 DSCR 25%dn: $-1,718/mo

🏠 Listing

$359,950💡 🏦 DSCR 25%dn: $-1,988/mo

$359,950

530 4th Ave W #108, Jacksonville

1bd1ba Single608sf $592/sf Built 2006

Cashflow

$-2,633/mo

CoC ROI

-102.5%

Rent Est

$1,543/mo

HUD FMR · GRM 19.4

Cap Rate

-0.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,121/mo🏦 DSCR 25%dn: $-1,988/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

$565,000💡 🏦 DSCR 25%dn: $-1,885/mo

$565,000

2851 Post St, Jacksonville

4bd2ba Single2,178sf $259/sf Built 1917

Cashflow

$-2,823/mo

CoC ROI

-70.0%

Rent Est

$3,368/mo

HUD FMR · GRM 14.0

Cap Rate

2.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,094/mo🏦 DSCR 25%dn: $-1,885/mo

🏠 Listing

$479,000💡 🏦 DSCR 25%dn: $-2,124/mo

$479,000

1730 SW Barton St, Jacksonville

2bd2ba Single1,190sf $403/sf Built 2010

Cashflow

$-2,972/mo

CoC ROI

-87.0%

Rent Est

$2,186/mo

HUD FMR · GRM 18.3

Cap Rate

0.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,301/mo🏦 DSCR 25%dn: $-2,124/mo

🏠 Listing

$398,000💡 🏦 DSCR 25%dn: $-2,317/mo

$398,000

1770 NW 58th St #225, Jacksonville

1bd1ba Single725sf $549/sf Built 1967

Cashflow

$-3,033/mo

CoC ROI

-106.8%

Rent Est

$1,677/mo

HUD FMR · GRM 19.8

Cap Rate

-0.9%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,464/mo🏦 DSCR 25%dn: $-2,317/mo

🏠 Listing

$395,000💡 🏦 DSCR 25%dn: $-2,356/mo

$395,000

5430 California Ave SW Unit 4A, Jacksonville

1bd1ba Single642sf $615/sf Built 2001

Cashflow

$-3,071/mo

CoC ROI

-109.0%

Rent Est

$1,612/mo

HUD FMR · GRM 20.4

Cap Rate

-1.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,502/mo🏦 DSCR 25%dn: $-2,356/mo

🏠 Listing

$429,900💡 🏦 DSCR 25%dn: $-2,361/mo

$429,900

715 24th Ave #306, Jacksonville

2bd1ba Single751sf $572/sf Built 1928

Cashflow

$-3,129/mo

CoC ROI

-102.0%

Rent Est

$1,886/mo

HUD FMR · GRM 19.0

Cap Rate

-0.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,520/mo🏦 DSCR 25%dn: $-2,361/mo

🏠 Listing

$595,000💡 🏦 DSCR 25%dn: $-2,171/mo

$595,000

805 S Donovan St, Jacksonville

5bd2ba Single1,820sf $327/sf Built 1905

Cashflow

$-3,184/mo

CoC ROI

-75.0%

Rent Est

$3,231/mo

HUD FMR · GRM 15.3

Cap Rate

1.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,391/mo🏦 DSCR 25%dn: $-2,171/mo

🏠 Listing

$415,000💡 🏦 DSCR 25%dn: $-2,450/mo

$415,000

2203 Yale Ave E Unit B1, Jacksonville

1bd1ba Single590sf $703/sf Built 1928

Cashflow

$-3,209/mo

CoC ROI

-108.4%

Rent Est

$1,599/mo

HUD FMR · GRM 21.6

Cap Rate

-1.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,604/mo🏦 DSCR 25%dn: $-2,450/mo

🏠 Listing

$370,000💡 💰 Negotiate: Offer -1% → positive

$370,000

2911 2nd Ave #811, Jacksonville

1bd1ba Single603sf $614/sf Built 2009

Cashflow

$-3,229/mo

CoC ROI

-122.3%

Rent Est

$1,552/mo

HUD FMR · GRM 19.9

Cap Rate

-2.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,699/mo🏦 DSCR 25%dn: $-2,562/mo💰 Negotiate: Offer -1% → positive

🏠 Listing

$499,000💡 🏦 DSCR 25%dn: $-2,329/mo

$499,000

3710 SW 106th St, Jacksonville

2bd1ba Single870sf $574/sf Built 1937

Cashflow

$-3,236/mo

CoC ROI

-90.9%

Rent Est

$1,999/mo

HUD FMR · GRM 20.8

Cap Rate

0.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,514/mo🏦 DSCR 25%dn: $-2,329/mo

🏠 Listing

$515,000💡 🏦 DSCR 25%dn: $-2,418/mo

$515,000

12656 74th Pl S, Jacksonville

2bd1ba Single900sf $572/sf Built 1943

Cashflow

$-3,355/mo

CoC ROI

-91.3%

Rent Est

$2,038/mo

HUD FMR · GRM 21.1

Cap Rate

0.4%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,609/mo🏦 DSCR 25%dn: $-2,418/mo

🏠 Listing

$430,000💡 🏦 DSCR 25%dn: $-2,630/mo

$430,000

1311 12th Ave S Unit D301, Jacksonville

2bd2ba Single1,140sf $377/sf Built 1985

Cashflow

$-3,375/mo

CoC ROI

-110.0%

Rent Est

$2,172/mo

HUD FMR · GRM 16.5

Cap Rate

-1.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,789/mo🏦 DSCR 25%dn: $-2,630/mo

🏠 Listing

$649,900💡 🏦 DSCR 25%dn: $-2,412/mo

$649,900

9059 Carkeek Dr S, Jacksonville

4bd2ba Single2,250sf $289/sf Built 1918

Cashflow

$-3,519/mo

CoC ROI

-75.9%

Rent Est

$3,522/mo

HUD FMR · GRM 15.4

Cap Rate

1.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,652/mo🏦 DSCR 25%dn: $-2,412/mo

🏠 Listing

$450,000💡 🏦 DSCR 25%dn: $-2,747/mo

$450,000

4222 Beach Dr SW #202, Jacksonville

2bd2ba Single970sf $464/sf Built 1985

Cashflow

$-3,543/mo

CoC ROI

-110.3%

Rent Est

$2,072/mo

HUD FMR · GRM 18.1

Cap Rate

-1.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,914/mo🏦 DSCR 25%dn: $-2,747/mo

🏠 Listing

$425,000💡 🏦 DSCR 25%dn: $-2,800/mo

$425,000

4547 8th Ave NE #310, Jacksonville

1bd1ba Single608sf $699/sf Built 2008

Cashflow

$-3,578/mo

CoC ROI

-118.0%

Rent Est

$1,625/mo

HUD FMR · GRM 21.8

Cap Rate

-1.9%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,957/mo🏦 DSCR 25%dn: $-2,800/mo

🏠 Listing

$575,000💡 🏦 DSCR 25%dn: $-2,608/mo

$575,000

4051 19th Ave SW, Jacksonville

2bd1ba Single1,340sf $429/sf Built 1910

Cashflow

$-3,644/mo

CoC ROI

-88.8%

Rent Est

$2,406/mo

HUD FMR · GRM 19.9

Cap Rate

0.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,821/mo🏦 DSCR 25%dn: $-2,608/mo

🏠 Listing

$480,000💡 🏦 DSCR 25%dn: $-2,920/mo

$480,000

5440 Leary Ave NW #526, Jacksonville

1bd1ba Single813sf $590/sf Built 2007

Cashflow

$-3,798/mo

CoC ROI

-110.9%

Rent Est

$1,844/mo

HUD FMR · GRM 21.7

Cap Rate

-1.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,098/mo🏦 DSCR 25%dn: $-2,920/mo

🏠 Listing

$449,000💡 🏦 DSCR 25%dn: $-3,015/mo

$449,000

1406 Harvard Ave #16, Jacksonville

1bd2ba Single813sf $552/sf Built 1908

Cashflow

$-3,830/mo

CoC ROI

-119.5%

Rent Est

$1,805/mo

HUD FMR · GRM 20.7

Cap Rate

-2.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,181/mo🏦 DSCR 25%dn: $-3,015/mo

🏠 Listing

$549,108💡 🏦 DSCR 25%dn: $-2,869/mo

$549,108

1747 NE 147th St #1, Jacksonville

1bd1ba Single700sf $784/sf Built 1926

Cashflow

$-3,898/mo

CoC ROI

-99.5%

Rent Est

$1,798/mo

HUD FMR · GRM 25.4

Cap Rate

-0.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,072/mo🏦 DSCR 25%dn: $-2,869/mo

🏠 Listing

$665,000💡 🏦 DSCR 25%dn: $-2,770/mo

$665,000

1227 S Henderson St, Jacksonville

4bd3ba Single1,590sf $418/sf Built 1948

Cashflow

$-3,942/mo

CoC ROI

-83.1%

Rent Est

$3,102/mo

HUD FMR · GRM 17.9

Cap Rate

1.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,016/mo🏦 DSCR 25%dn: $-2,770/mo

🏠 Listing

$539,000💡 🏦 DSCR 25%dn: $-3,193/mo

$539,000

5249 40th Ave NE #404, Jacksonville

2bd1ba Single950sf $567/sf Built 1966

Cashflow

$-4,172/mo

CoC ROI

-108.5%

Rent Est

$2,168/mo

HUD FMR · GRM 20.7

Cap Rate

-1.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,393/mo🏦 DSCR 25%dn: $-3,193/mo

🏠 Listing

$699,500💡 🏦 DSCR 25%dn: $-3,160/mo

$699,500

2816 NW 80th St, Jacksonville

3bd2ba Single1,510sf $463/sf Built 1995

Cashflow

$-4,199/mo

CoC ROI

-55.8%

Rent Est

$2,924/mo

HUD FMR · GRM 19.9

Cap Rate

0.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,418/mo🏦 DSCR 25%dn: $-3,160/mo

🏠 Listing

$650,000💡 🏦 DSCR 25%dn: $-3,041/mo

$650,000

3807 Martin Luther King Jr Way S Unit B, Jacksonville

2bd2ba Single1,488sf $437/sf Built 2016

Cashflow

$-4,222/mo

CoC ROI

-91.0%

Rent Est

$2,598/mo

HUD FMR · GRM 20.8

Cap Rate

0.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,281/mo🏦 DSCR 25%dn: $-3,041/mo

🏠 Listing

$695,000💡 🏦 DSCR 25%dn: $-3,197/mo

$695,000

7154 44TH Ave S, Jacksonville

3bd2ba Single1,340sf $519/sf Built 2023

Cashflow

$-4,267/mo

CoC ROI

-59.8%

Rent Est

$2,805/mo

HUD FMR · GRM 20.6

Cap Rate

0.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,454/mo🏦 DSCR 25%dn: $-3,197/mo

🏠 Listing

$539,950💡 🏦 DSCR 25%dn: $-3,293/mo

$539,950

524 6th Ave W #210, Jacksonville

2bd2ba Single920sf $587/sf Built 1997

Cashflow

$-4,275/mo

CoC ROI

-111.0%

Rent Est

$2,147/mo

HUD FMR · GRM 21.0

Cap Rate

-1.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,493/mo🏦 DSCR 25%dn: $-3,293/mo

🏠 Listing

$674,000💡 🏦 DSCR 25%dn: $-3,167/mo

$674,000

14341 Interlake Ave N, Jacksonville

3bd1ba Single1,080sf $624/sf Built 1937

Cashflow

$-4,353/mo

CoC ROI

-81.6%

Rent Est

$2,606/mo

HUD FMR · GRM 21.6

Cap Rate

0.4%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,416/mo🏦 DSCR 25%dn: $-3,167/mo

🏠 Listing

$624,999💡 🏦 DSCR 25%dn: $-3,195/mo

$624,999

918 N 100th St Unit B, Jacksonville

2bd2ba Single900sf $694/sf Built 2022

Cashflow

$-4,356/mo

CoC ROI

-97.7%

Rent Est

$2,176/mo

HUD FMR · GRM 23.9

Cap Rate

-0.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,426/mo🏦 DSCR 25%dn: $-3,195/mo

🏠 Listing

$675,000💡 🏦 DSCR 25%dn: $-3,248/mo

$675,000

9796 11th Ave SW, Jacksonville

3bd4ba Single1,800sf $375/sf Built 2019

Cashflow

$-4,390/mo

CoC ROI

-81.0%

Rent Est

$3,086/mo

HUD FMR · GRM 18.2

Cap Rate

0.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,497/mo🏦 DSCR 25%dn: $-3,248/mo

🏠 Listing

$624,950💡 🏦 DSCR 25%dn: $-3,294/mo

$624,950

7546 26th Ave NW Unit B, Jacksonville

2bd2ba Single840sf $744/sf Built 2023

Cashflow

$-4,459/mo

CoC ROI

-100.0%

Rent Est

$2,136/mo

HUD FMR · GRM 24.4

Cap Rate

-0.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,525/mo🏦 DSCR 25%dn: $-3,294/mo

🏠 Listing

$549,950💡 🏦 DSCR 25%dn: $-3,462/mo

$549,950

2500 Canterbury Ln E #204, Jacksonville

2bd1ba Single980sf $561/sf Built 1967

Cashflow

$-4,460/mo

CoC ROI

-113.7%

Rent Est

$2,204/mo

HUD FMR · GRM 20.8

Cap Rate

-1.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,665/mo🏦 DSCR 25%dn: $-3,462/mo

🏠 Listing

$699,950💡 🏦 DSCR 25%dn: $-3,426/mo

$699,950

8856 24th Ave SW, Jacksonville

2bd2ba Single1,340sf $522/sf Built 2008

Cashflow

$-4,492/mo

CoC ROI

-59.4%

Rent Est

$2,562/mo

HUD FMR · GRM 22.8

Cap Rate

0.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,685/mo🏦 DSCR 25%dn: $-3,426/mo

🏠 Listing

$639,950💡 🏦 DSCR 25%dn: $-3,304/mo

$639,950

11549 8th Ave NE, Jacksonville

2bd1ba Single770sf $831/sf Built 1941

Cashflow

$-4,503/mo

CoC ROI

-98.6%

Rent Est

$2,108/mo

HUD FMR · GRM 25.3

Cap Rate

-0.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,541/mo🏦 DSCR 25%dn: $-3,304/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	F	Single	3636 Hartsfield Forest Cir Jacksonville · 3bd/2.5ba · 1,701sf · 2013	$150,000	$1,924	$12,844	$-3	-0.3%	$1,627/mo	$21,056
3	F	Single	8149 Justin Rd S Jacksonville · 3bd/2.0ba · 1,658sf · 1984	$160,000	$1,943	$13,701	$-78	-6.8%	$1,715/mo	$63,740
4	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
5	F	Single	877 Jackson Rd Jacksonville · 3bd/2.0ba · 1,336sf · 1991	$260,000	$2,259	$22,263	$-727	-39.2%	$2,605/mo	$58,316
6	F	Single	3355 Mandarin Glen Dr Jacksonville · 2bd/2.5ba · 1,362sf · 1995	$225,000	$1,983	$19,266	$-670	-41.8%	$2,321/mo	$58,681
7	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
8	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
9	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
10	F	Single	12290 Hagan Creek Dr W Jacksonville · 4bd/3.0ba · 2,283sf · 2007	$430,000	$3,269	$36,820	$-1,675	-54.6%	$4,376/mo	$65,497
11	F	Single	2816 NW 80th St Jacksonville · 3bd/2.0ba · 1,510sf · 1995	$699,500	$2,924	$90,252	$-4,199	-55.8%	$6,510/mo	$60,760
12	F	Single	7801 Point Meadows Dr #7308 Jacksonville · 3bd/2.0ba · 1,247sf · 2003	$199,000	$2,016	$17,040	$-808	-56.9%	$2,496/mo	$50,117
13	F	Single	11750 White Horse Rd Jacksonville · 2bd/2.0ba · 1,052sf · 1985	$260,000	$1,821	$22,263	$-1,080	-58.2%	$2,577/mo	$55,226
14	F	Single	10464 Osprey Nest Dr W Jacksonville · 3bd/2.0ba · 1,616sf · 1990	$370,000	$2,583	$31,683	$-1,556	-58.9%	$3,679/mo	$62,250
15	F	Single	10224 Hamlet Glen Dr Jacksonville · 4bd/2.5ba · 2,849sf · 1997	$525,000	$3,764	$44,955	$-2,222	-59.3%	$5,321/mo	$67,579
16	F	Single	8856 24th Ave SW Jacksonville · 2bd/2.0ba · 1,340sf · 2008	$699,950	$2,562	$90,715	$-4,492	-59.4%	$6,488/mo	$48,881
17	F	Single	10954 Heathfield Rd Jacksonville · 4bd/2.0ba · 2,022sf · 1989	$450,000	$3,121	$38,533	$-1,920	-59.8%	$4,485/mo	$67,954
18	F	Single	7154 44TH Ave S Jacksonville · 3bd/2.0ba · 1,340sf · 2023	$695,000	$2,805	$85,617	$-4,267	-59.8%	$6,476/mo	$10,520
19	F	Single	4250 Davinci Ave Jacksonville · 5bd/2.0ba · 2,259sf · 1924	$479,900	$3,316	$41,093	$-2,056	-60.0%	$4,781/mo	$76,030
20	F	Single	5953 Fauntleroy Way SW Unit D Jacksonville · 2bd/2.5ba · 1,100sf · 2017	$695,000	$2,396	$85,617	$-4,594	-64.4%	$6,447/mo	$17,750
21	F	Single	12647 Julington Oaks Dr Jacksonville · 4bd/2.5ba · 2,492sf · 2014	$549,900	$3,558	$47,087	$-2,608	-66.5%	$5,520/mo	$25,406
22	F	Single	2851 Post St Jacksonville · 4bd/2.5ba · 2,178sf · 1917	$565,000	$3,368	$48,380	$-2,823	-70.0%	$5,564/mo	$74,815
23	F	Single	6318 5th Ave NE Unit C Jacksonville · 2bd/1.5ba · 838sf · 2001	$699,950	$2,287	$90,715	$-5,328	-70.5%	$7,085/mo	$41,572
24	F	Single	805 S Donovan St Jacksonville · 5bd/2.0ba · 1,820sf · 1905	$595,000	$3,231	$50,949	$-3,184	-75.0%	$5,797/mo	$69,445
25	F	Single	9059 Carkeek Dr S Jacksonville · 4bd/2.0ba · 2,250sf · 1918	$649,900	$3,522	$55,650	$-3,519	-75.9%	$6,367/mo	$75,895
26	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
27	F	Single	9796 11th Ave SW Jacksonville · 3bd/3.5ba · 1,800sf · 2019	$675,000	$3,086	$65,017	$-4,390	-81.0%	$6,850/mo	$21,600
28	F	Single	14341 Interlake Ave N Jacksonville · 3bd/1.0ba · 1,080sf · 1937	$674,000	$2,606	$63,987	$-4,353	-81.6%	$6,396/mo	$54,258
29	F	Single	1227 S Henderson St Jacksonville · 4bd/3.0ba · 1,590sf · 1948	$665,000	$3,102	$56,943	$-3,942	-83.1%	$6,419/mo	$70,082
30	F	Single	1730 SW Barton St Jacksonville · 2bd/1.5ba · 1,190sf · 2010	$479,000	$2,186	$41,016	$-2,972	-87.0%	$4,715/mo	$43,158
31	F	Single	4051 19th Ave SW Jacksonville · 2bd/1.0ba · 1,340sf · 1910	$575,000	$2,406	$49,236	$-3,644	-88.8%	$5,546/mo	$58,158
32	F	Single	3710 SW 106th St Jacksonville · 2bd/1.0ba · 870sf · 1937	$499,000	$1,999	$42,729	$-3,236	-90.9%	$4,808/mo	$51,108
33	F	Single	919 NW 56th St Unit D Jacksonville · 2bd/2.0ba · 1,120sf · 2021	$670,000	$2,379	$59,867	$-4,540	-91.0%	$6,386/mo	$9,310
34	F	Single	3807 Martin Luther King Jr Way S Unit B Jacksonville · 2bd/2.5ba · 1,488sf · 2016	$650,000	$2,598	$55,659	$-4,222	-91.0%	$6,266/mo	$19,884
35	F	Single	12656 74th Pl S Jacksonville · 2bd/1.0ba · 900sf · 1943	$515,000	$2,038	$44,099	$-3,355	-91.3%	$4,957/mo	$51,558
36	F	Single	918 N 100th St Unit B Jacksonville · 2bd/1.5ba · 900sf · 2022	$624,999	$2,176	$53,518	$-4,356	-97.7%	$6,041/mo	$8,100
37	F	Single	2031 NW 59th St #301 Jacksonville · 1bd/1.0ba · 696sf · 1978	$350,000	$1,596	$29,970	$-2,451	-98.1%	$3,722/mo	$46,136
38	F	Single	11549 8th Ave NE Jacksonville · 2bd/1.0ba · 770sf · 1941	$639,950	$2,108	$54,798	$-4,503	-98.6%	$6,124/mo	$49,608
39	F	Single	14531 Dayton Ave N #1 Jacksonville · 2bd/1.0ba · 893sf · 1966	$345,000	$1,884	$29,542	$-2,446	-99.4%	$3,970/mo	$51,452
40	F	Single	1747 NE 147th St #1 Jacksonville · 1bd/1.0ba · 700sf · 1926	$549,108	$1,798	$47,019	$-3,898	-99.5%	$5,280/mo	$48,558
41	F	Single	7546 26th Ave NW Unit B Jacksonville · 2bd/2.5ba · 840sf · 2023	$624,950	$2,136	$53,514	$-4,459	-100.0%	$6,109/mo	$7,770
42	F	Single	715 24th Ave #306 Jacksonville · 2bd/1.0ba · 751sf · 1928	$429,900	$1,886	$36,812	$-3,129	-102.0%	$4,626/mo	$49,322
43	F	Single	530 4th Ave W #108 Jacksonville · 1bd/1.0ba · 608sf · 2006	$359,950	$1,543	$30,822	$-2,633	-102.5%	$3,856/mo	$39,065
44	F	Single	120 14th Ave #12 Jacksonville · 1bd/1.0ba · 447sf · 1928	$269,500	$1,312	$23,077	$-1,981	-103.0%	$3,033/mo	$44,762
45	F	Single	3624 Whitman Ave N #1 Jacksonville · 1bd/1.0ba · 370sf · 1906	$300,000	$1,293	$25,689	$-2,225	-103.9%	$3,250/mo	$43,608
46	F	Single	1770 NW 58th St #225 Jacksonville · 1bd/1.0ba · 725sf · 1967	$398,000	$1,677	$34,080	$-3,033	-106.8%	$4,359/mo	$48,932
47	F	Single	2203 Yale Ave E Unit B1 Jacksonville · 1bd/1.0ba · 590sf · 1928	$415,000	$1,599	$35,536	$-3,209	-108.4%	$4,462/mo	$46,908
48	F	Single	5249 40th Ave NE #404 Jacksonville · 2bd/1.0ba · 950sf · 1966	$539,000	$2,168	$46,154	$-4,172	-108.5%	$5,878/mo	$52,308
49	F	Single	1323 Boren Ave #206 Jacksonville · 1bd/1.0ba · 545sf · 2001	$295,000	$1,416	$25,260	$-2,287	-108.7%	$3,421/mo	$38,378
50	F	Single	4725 15th Ave NE #12 Jacksonville · 1bd/1.0ba · 739sf · 1923	$325,000	$1,596	$27,829	$-2,527	-109.0%	$3,807/mo	$49,142
51	F	Single	5430 California Ave SW Unit 4A Jacksonville · 1bd/1.0ba · 642sf · 2001	$395,000	$1,612	$33,823	$-3,071	-109.0%	$4,342/mo	$39,435
52	F	Single	3045 20th Ave W #209 Jacksonville · 1bd/1.0ba · 584sf · 1988	$285,000	$1,432	$24,404	$-2,234	-109.8%	$3,384/mo	$43,663
53	F	Single	1311 12th Ave S Unit D301 Jacksonville · 2bd/2.0ba · 1,140sf · 1985	$430,000	$2,172	$36,820	$-3,375	-110.0%	$5,121/mo	$56,462
54	F	Single	4222 Beach Dr SW #202 Jacksonville · 2bd/2.0ba · 970sf · 1985	$450,000	$2,072	$38,533	$-3,543	-110.3%	$5,196/mo	$54,074
55	F	Single	519 W Roy St #413 Jacksonville · 1bd/1.0ba · 531sf · 1930	$299,997	$1,412	$25,688	$-2,368	-110.6%	$3,496/mo	$46,022
56	F	Single	5440 Leary Ave NW #526 Jacksonville · 1bd/1.0ba · 813sf · 2007	$480,000	$1,844	$41,102	$-3,798	-110.9%	$5,243/mo	$41,299
57	F	Single	524 6th Ave W #210 Jacksonville · 2bd/2.0ba · 920sf · 1997	$539,950	$2,147	$46,235	$-4,275	-111.0%	$5,963/mo	$46,553
58	F	Single	1729 18th Ave #201 Jacksonville · 2bd/2.0ba · 903sf · 1981	$597,500	$2,207	$51,163	$-4,733	-111.0%	$6,453/mo	$53,132
59	F	Single	425 Vine St #421 Jacksonville · 1bd/1.0ba · 349sf · 1998	$250,000	$1,215	$21,407	$-2,014	-112.9%	$2,988/mo	$36,242
60	F	Single	1111 10th Ave E #20 Jacksonville · 2bd/2.0ba · 993sf · 1986	$595,000	$2,270	$50,949	$-4,800	-113.0%	$6,576/mo	$53,497

🏠

$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

🏠

$150,000

3636 Hartsfield Forest Cir

Jacksonville · 3bd/2.5ba · Single

1,701 sf · Built 2013

$-3

Cash Flow

-0.3%

CoC ROI

8.2%

Cap Rate

$12,844

Cash In

🏠

$160,000

8149 Justin Rd S

Jacksonville · 3bd/2.0ba · Single

1,658 sf · Built 1984

$-78

Cash Flow

-6.8%

CoC ROI

7.7%

Cap Rate

$13,701

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

🏠

$260,000

877 Jackson Rd

Jacksonville · 3bd/2.0ba · Single

1,336 sf · Built 1991

$-727

Cash Flow

-39.2%

CoC ROI

4.9%

Cap Rate

$22,263

Cash In

🏠

$225,000

3355 Mandarin Glen Dr

Jacksonville · 2bd/2.5ba · Single

1,362 sf · Built 1995

$-670

Cash Flow

-41.8%

CoC ROI

4.7%

Cap Rate

$19,266

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

🏠

$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

🏠

$430,000

12290 Hagan Creek Dr W

Jacksonville · 4bd/3.0ba · Single

2,283 sf · Built 2007

$-1,675

Cash Flow

-54.6%

CoC ROI

3.6%

Cap Rate

$36,820

Cash In

🏠

$699,500

2816 NW 80th St

Jacksonville · 3bd/2.0ba · Single

1,510 sf · Built 1995

$-4,199

Cash Flow

-55.8%

CoC ROI

0.7%

Cap Rate

$90,252

Cash In

🏘

$199,000

7801 Point Meadows Dr #7308

Jacksonville · 3bd/2.0ba · Single

1,247 sf · Built 2003

$-808

Cash Flow

-56.9%

CoC ROI

3.4%

Cap Rate

$17,040

Cash In

🏠

$260,000

11750 White Horse Rd

Jacksonville · 2bd/2.0ba · Single

1,052 sf · Built 1985

$-1,080

Cash Flow

-58.2%

CoC ROI

3.3%

Cap Rate

$22,263

Cash In

🏠

$370,000

10464 Osprey Nest Dr W

Jacksonville · 3bd/2.0ba · Single

1,616 sf · Built 1990

$-1,556

Cash Flow

-58.9%

CoC ROI

3.2%

Cap Rate

$31,683

Cash In

🏠

$525,000

10224 Hamlet Glen Dr

Jacksonville · 4bd/2.5ba · Single

2,849 sf · Built 1997

$-2,222

Cash Flow

-59.3%

CoC ROI

3.2%

Cap Rate

$44,955

Cash In

🏠

$699,950

8856 24th Ave SW

Jacksonville · 2bd/2.0ba · Single

1,340 sf · Built 2008

$-4,492

Cash Flow

-59.4%

CoC ROI

0.2%

Cap Rate

$90,715

Cash In

🏠

$450,000

10954 Heathfield Rd

Jacksonville · 4bd/2.0ba · Single

2,022 sf · Built 1989

$-1,920

Cash Flow

-59.8%

CoC ROI

3.1%

Cap Rate

$38,533

Cash In

🏠

$695,000

7154 44TH Ave S

Jacksonville · 3bd/2.0ba · Single

1,340 sf · Built 2023

$-4,267

Cash Flow

-59.8%

CoC ROI

0.6%

Cap Rate

$85,617

Cash In

🏠

$479,900

4250 Davinci Ave

Jacksonville · 5bd/2.0ba · Single

2,259 sf · Built 1924

$-2,056

Cash Flow

-60.0%

CoC ROI

3.1%

Cap Rate

$41,093

Cash In

🏠

$695,000

5953 Fauntleroy Way SW Unit D

Jacksonville · 2bd/2.5ba · Single

1,100 sf · Built 2017

$-4,594

Cash Flow

-64.4%

CoC ROI

-0.0%

Cap Rate

$85,617

Cash In

🏠

$549,900

12647 Julington Oaks Dr

Jacksonville · 4bd/2.5ba · Single

2,492 sf · Built 2014

$-2,608

Cash Flow

-66.5%

CoC ROI

2.6%

Cap Rate

$47,087

Cash In

🏠

$565,000

2851 Post St

Jacksonville · 4bd/2.5ba · Single

2,178 sf · Built 1917

$-2,823

Cash Flow

-70.0%

CoC ROI

2.3%

Cap Rate

$48,380

Cash In

🏘

$699,950

6318 5th Ave NE Unit C

Jacksonville · 2bd/1.5ba · Single

838 sf · Built 2001

$-5,328

Cash Flow

-70.5%

CoC ROI

-1.3%

Cap Rate

$90,715

Cash In

🏠

$595,000

805 S Donovan St

Jacksonville · 5bd/2.0ba · Single

1,820 sf · Built 1905

$-3,184

Cash Flow

-75.0%

CoC ROI

1.8%

Cap Rate

$50,949

Cash In

🏠

$649,900

9059 Carkeek Dr S

Jacksonville · 4bd/2.0ba · Single

2,250 sf · Built 1918

$-3,519

Cash Flow

-75.9%

CoC ROI

1.8%

Cap Rate

$55,650

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

🏠

$675,000

9796 11th Ave SW

Jacksonville · 3bd/3.5ba · Single

1,800 sf · Built 2019

$-4,390

Cash Flow

-81.0%

CoC ROI

0.3%

Cap Rate

$65,017

Cash In

🏠

$674,000

14341 Interlake Ave N

Jacksonville · 3bd/1.0ba · Single

1,080 sf · Built 1937

$-4,353

Cash Flow

-81.6%

CoC ROI

0.4%

Cap Rate

$63,987

Cash In

🏠

$665,000

1227 S Henderson St

Jacksonville · 4bd/3.0ba · Single

1,590 sf · Built 1948

$-3,942

Cash Flow

-83.1%

CoC ROI

1.1%

Cap Rate

$56,943

Cash In

🏠

$479,000

1730 SW Barton St

Jacksonville · 2bd/1.5ba · Single

1,190 sf · Built 2010

$-2,972

Cash Flow

-87.0%

CoC ROI

0.8%

Cap Rate

$41,016

Cash In

🏠

$575,000

4051 19th Ave SW

Jacksonville · 2bd/1.0ba · Single

1,340 sf · Built 1910

$-3,644

Cash Flow

-88.8%

CoC ROI

0.7%

Cap Rate

$49,236

Cash In

🏠

$499,000

3710 SW 106th St

Jacksonville · 2bd/1.0ba · Single

870 sf · Built 1937

$-3,236

Cash Flow

-90.9%

CoC ROI

0.5%

Cap Rate

$42,729

Cash In

🏠

$670,000

919 NW 56th St Unit D

Jacksonville · 2bd/2.0ba · Single

1,120 sf · Built 2021

$-4,540

Cash Flow

-91.0%

CoC ROI

0.1%

Cap Rate

$59,867

Cash In

🏠

$650,000

3807 Martin Luther King Jr Way S Unit B

Jacksonville · 2bd/2.5ba · Single

1,488 sf · Built 2016

$-4,222

Cash Flow

-91.0%

CoC ROI

0.5%

Cap Rate

$55,659

Cash In

🏠

$515,000

12656 74th Pl S

Jacksonville · 2bd/1.0ba · Single

900 sf · Built 1943

$-3,355

Cash Flow

-91.3%

CoC ROI

0.4%

Cap Rate

$44,099

Cash In

🏠

$624,999

918 N 100th St Unit B

Jacksonville · 2bd/1.5ba · Single

900 sf · Built 2022

$-4,356

Cash Flow

-97.7%

CoC ROI

-0.1%

Cap Rate

$53,518

Cash In

🏘

$350,000

2031 NW 59th St #301

Jacksonville · 1bd/1.0ba · Single

696 sf · Built 1978

$-2,451

Cash Flow

-98.1%

CoC ROI

-0.1%

Cap Rate

$29,970

Cash In

🏠

$639,950

11549 8th Ave NE

Jacksonville · 2bd/1.0ba · Single

770 sf · Built 1941

$-4,503

Cash Flow

-98.6%

CoC ROI

-0.2%

Cap Rate

$54,798

Cash In

🏘

$345,000

14531 Dayton Ave N #1

Jacksonville · 2bd/1.0ba · Single

893 sf · Built 1966

$-2,446

Cash Flow

-99.4%

CoC ROI

-0.3%

Cap Rate

$29,542

Cash In

🏠

$549,108

1747 NE 147th St #1

Jacksonville · 1bd/1.0ba · Single

700 sf · Built 1926

$-3,898

Cash Flow

-99.5%

CoC ROI

-0.3%

Cap Rate

$47,019

Cash In

🏠

$624,950

7546 26th Ave NW Unit B

Jacksonville · 2bd/2.5ba · Single

840 sf · Built 2023

$-4,459

Cash Flow

-100.0%

CoC ROI

-0.3%

Cap Rate

$53,514

Cash In

🏘

$429,900

715 24th Ave #306

Jacksonville · 2bd/1.0ba · Single

751 sf · Built 1928

$-3,129

Cash Flow

-102.0%

CoC ROI

-0.5%

Cap Rate

$36,812

Cash In

🏘

$359,950

530 4th Ave W #108

Jacksonville · 1bd/1.0ba · Single

608 sf · Built 2006

$-2,633

Cash Flow

-102.5%

CoC ROI

-0.5%

Cap Rate

$30,822

Cash In

🏘

$269,500

120 14th Ave #12

Jacksonville · 1bd/1.0ba · Single

447 sf · Built 1928

$-1,981

Cash Flow

-103.0%

CoC ROI

-0.6%

Cap Rate

$23,077

Cash In

🏘

$300,000

3624 Whitman Ave N #1

Jacksonville · 1bd/1.0ba · Single

370 sf · Built 1906

$-2,225

Cash Flow

-103.9%

CoC ROI

-0.7%

Cap Rate

$25,689

Cash In

🏘

$398,000

1770 NW 58th St #225

Jacksonville · 1bd/1.0ba · Single

725 sf · Built 1967

$-3,033

Cash Flow

-106.8%

CoC ROI

-0.9%

Cap Rate

$34,080

Cash In

🏘

$415,000

2203 Yale Ave E Unit B1

Jacksonville · 1bd/1.0ba · Single

590 sf · Built 1928

$-3,209

Cash Flow

-108.4%

CoC ROI

-1.0%

Cap Rate

$35,536

Cash In

🏘

$539,000

5249 40th Ave NE #404

Jacksonville · 2bd/1.0ba · Single

950 sf · Built 1966

$-4,172

Cash Flow

-108.5%

CoC ROI

-1.0%

Cap Rate

$46,154

Cash In

🏘

$295,000

1323 Boren Ave #206

Jacksonville · 1bd/1.0ba · Single

545 sf · Built 2001

$-2,287

Cash Flow

-108.7%

CoC ROI

-1.1%

Cap Rate

$25,260

Cash In

🏘

$325,000

4725 15th Ave NE #12

Jacksonville · 1bd/1.0ba · Single

739 sf · Built 1923

$-2,527

Cash Flow

-109.0%

CoC ROI

-1.1%

Cap Rate

$27,829

Cash In

🏘

$395,000

5430 California Ave SW Unit 4A

Jacksonville · 1bd/1.0ba · Single

642 sf · Built 2001

$-3,071

Cash Flow

-109.0%

CoC ROI

-1.1%

Cap Rate

$33,823

Cash In

🏘

$285,000

3045 20th Ave W #209

Jacksonville · 1bd/1.0ba · Single

584 sf · Built 1988

$-2,234

Cash Flow

-109.8%

CoC ROI

-1.1%

Cap Rate

$24,404

Cash In

🏘

$430,000

1311 12th Ave S Unit D301

Jacksonville · 2bd/2.0ba · Single

1,140 sf · Built 1985

$-3,375

Cash Flow

-110.0%

CoC ROI

-1.2%

Cap Rate

$36,820

Cash In

🏘

$450,000

4222 Beach Dr SW #202

Jacksonville · 2bd/2.0ba · Single

970 sf · Built 1985

$-3,543

Cash Flow

-110.3%

CoC ROI

-1.2%

Cap Rate

$38,533

Cash In

🏘

$299,997

519 W Roy St #413

Jacksonville · 1bd/1.0ba · Single

531 sf · Built 1930

$-2,368

Cash Flow

-110.6%

CoC ROI

-1.2%

Cap Rate

$25,688

Cash In

🏘

$480,000

5440 Leary Ave NW #526

Jacksonville · 1bd/1.0ba · Single

813 sf · Built 2007

$-3,798

Cash Flow

-110.9%

CoC ROI

-1.2%

Cap Rate

$41,102

Cash In

🏘

$539,950

524 6th Ave W #210

Jacksonville · 2bd/2.0ba · Single

920 sf · Built 1997

$-4,275

Cash Flow

-111.0%

CoC ROI

-1.2%

Cap Rate

$46,235

Cash In

🏘

$597,500

1729 18th Ave #201

Jacksonville · 2bd/2.0ba · Single

903 sf · Built 1981

$-4,733

Cash Flow

-111.0%

CoC ROI

-1.2%

Cap Rate

$51,163

Cash In

🏘

$250,000

425 Vine St #421

Jacksonville · 1bd/1.0ba · Single

349 sf · Built 1998

$-2,014

Cash Flow

-112.9%

CoC ROI

-1.4%

Cap Rate

$21,407

Cash In

🏘

$595,000

1111 10th Ave E #20

Jacksonville · 2bd/2.0ba · Single

993 sf · Built 1986

$-4,800

Cash Flow

-113.0%

CoC ROI

-1.4%

Cap Rate

$50,949

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 →

3636 Hartsfield Forest Cir Single

Jacksonville, FL 32277 · 3bd/2.5ba · 1,701sf · Built 2013

$150,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $5,250

Loan Amount: $147,283

Fees / MIP: $2,533

Closing Costs: $4,500

Reserves (3mo): $3,094

Total Cash Needed: $12,844

Monthly Expenses

Mortgage P&I+MIP: $1,031.43

Property Tax: $243.75

Insurance: $226.80

HOA: $0.00

Maint + CapEx: $175.00

Vacancy + Mgmt: $250.13

Total: $1,927.11/mo

Returns

Market Rent (all units): $1,924

Your Rental Income: $1,924

Cashflow: $-3/mo

Annual: $-36/yr

Cash-on-Cash ROI: -0.3%

Cap Rate: 8.2% · DSCR: 1.00x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3/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: $304/mo (vs $-3/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $317/mo — saves $320/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $773/mo.

💲 Negotiate Price

Offer $135,544 ($14,456 below asking). At this price, projected cashflow turns to +$100/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-493/mo

STR vs LTR

-59%

BREAKEVEN OCC

54%

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: $-3/mo · STR: $-493/mo · CoC ROI: -28.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,924/mo

RANGE

$1,924 – $1,924

CONFIDENCE

LOW

N/A

Our estimate $1,924/mo ✅ Inline with market

No comparable rentals found in 32277

Purchase + Close$154,500

Reno Cost$9,753

Holding (6mo)$11,563

Total All-In$175,815

ARV$180,808

Selling Costs 8%$14,465

Flip Profit$-9,472

Flip ROI-49%

📍 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	$4,678	+$14,033	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

$9,753

VALUE ADDED

+$30,808

OVERALL ROI

316%

♻ HYBRID (BRRRR) Medium Confidence

• Adequate DSCR (1.00x)
• High cap rate (8.2%) — strong rental market
• Decent forced equity (+$21,056)
• Excellent reno ROI (316%)

👎 IS IT WORTH IT?

PROBABLY NOT — Risky

• Slight negative cashflow — manageable if house-hacking
• Low barrier to entry ($12,844 cash needed)

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

56/100

👍 Solid

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

▶

8149 Justin Rd S Single

Jacksonville, FL 32210 · 3bd/2.0ba · 1,658sf · Built 1984

$160,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $5,600

Loan Amount: $157,102

Fees / MIP: $2,702

Closing Costs: $4,800

Reserves (3mo): $3,301

Total Cash Needed: $13,701

Monthly Expenses

Mortgage P&I+MIP: $1,100.20

Property Tax: $260.00

Insurance: $221.07

HOA: $0.00

Maint + CapEx: $186.66

Vacancy + Mgmt: $252.57

Total: $2,020.50/mo

Returns

Market Rent (all units): $1,943

Your Rental Income: $1,943

Cashflow: $-78/mo

Annual: $-932/yr

Cash-on-Cash ROI: -6.8%

Cap Rate: 7.7% · DSCR: 0.93x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-78/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: $250/mo (vs $-78/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $264/mo — saves $342/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $680/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-570/mo

STR vs LTR

-59%

BREAKEVEN OCC

55%

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: $-78/mo · STR: $-570/mo · CoC ROI: -31.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,942/mo

RANGE

$1,942 – $1,942

CONFIDENCE

LOW

N/A

Our estimate $1,942/mo ✅ Inline with market

No comparable rentals found in 32210

Purchase + Close$164,800

Reno Cost$77,664

Holding (6mo)$12,123

Total All-In$254,587

ARV$301,404

Selling Costs 8%$24,112

Flip Profit+$22,705

Flip ROI26%

📍 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	$4,560	+$13,678	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$77,664

VALUE ADDED

+$141,404

OVERALL ROI

182%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$63,740)
• Excellent reno ROI (182%)
• Older build (1984) — high value-add potential

👎 IS IT WORTH IT?

PROBABLY NOT — Risky

• Slight negative cashflow — manageable if house-hacking
• Low barrier to entry ($13,701 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

51/100

⚠️ 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

▶

877 Jackson Rd Single

Jacksonville, FL 32225 · 3bd/2.0ba · 1,336sf · Built 1991

$260,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,100

Loan Amount: $255,291

Fees / MIP: $4,391

Closing Costs: $7,800

Reserves (3mo): $5,363

Total Cash Needed: $22,263

Monthly Expenses

Mortgage P&I+MIP: $1,787.82

Property Tax: $422.50

Insurance: $178.13

HOA: $0.00

Maint + CapEx: $303.34

Vacancy + Mgmt: $293.65

Total: $2,985.44/mo

Returns

Market Rent (all units): $2,259

Your Rental Income: $2,259

Cashflow: $-727/mo

Annual: $-8,719/yr

Cash-on-Cash ROI: -39.2%

Cap Rate: 4.9% · DSCR: 0.59x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-727/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: $-195/mo (vs $-727/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-171/mo — saves $555/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-285/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,360/mo

STR vs LTR

-62%

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: $-727/mo · STR: $-1,360/mo · CoC ROI: -57.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,258/mo

RANGE

$2,258 – $2,258

CONFIDENCE

LOW

N/A

Our estimate $2,258/mo ✅ Inline with market

No comparable rentals found in 32225

Purchase + Close$267,800

Reno Cost$65,171

Holding (6mo)$17,913

Total All-In$350,883

ARV$383,486

Selling Costs 8%$30,679

Flip Profit+$1,924

Flip ROI2%

📍 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 ~35 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	$3,674	+$11,022	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

$65,171

VALUE ADDED

+$123,486

OVERALL ROI

190%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$58,316)
• Excellent reno ROI (190%)
• Aging property (1991) — renovation upside
• Negative cashflow ($-727/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-727/mo)
• Low barrier to entry ($22,263 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

40/100

⚠️ 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

▶

3355 Mandarin Glen Dr Single

Jacksonville, FL 32223 · 2bd/2.5ba · 1,362sf · Built 1995

$225,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $7,875

Loan Amount: $220,925

Fees / MIP: $3,800

Closing Costs: $6,750

Reserves (3mo): $4,641

Total Cash Needed: $19,266

Monthly Expenses

Mortgage P&I+MIP: $1,547.15

Property Tax: $365.62

Insurance: $181.60

HOA: $39.00

Maint + CapEx: $262.50

Vacancy + Mgmt: $257.82

Total: $2,653.69/mo

Returns

Market Rent (all units): $1,983

Your Rental Income: $1,983

Cashflow: $-670/mo

Annual: $-8,046/yr

Cash-on-Cash ROI: -41.8%

Cap Rate: 4.7% · DSCR: 0.57x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-670/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: $-210/mo (vs $-670/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-190/mo — saves $481/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-1,406/mo

STR vs LTR

-72%

BREAKEVEN OCC

77%

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: $-670/mo · STR: $-1,406/mo · CoC ROI: -70.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,983/mo

RANGE

$1,983 – $1,983

CONFIDENCE

LOW

N/A

Our estimate $1,983/mo ✅ Inline with market

No comparable rentals found in 32223

Purchase + Close$231,750

Reno Cost$65,453

Holding (6mo)$15,922

Total All-In$313,125

ARV$349,134

Selling Costs 8%$27,931

Flip Profit+$8,078

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 ~31 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	$3,746	+$11,236	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

$65,453

VALUE ADDED

+$124,134

OVERALL ROI

190%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$58,681)
• Excellent reno ROI (190%)
• Aging property (1995) — renovation upside
• Negative cashflow ($-670/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-670/mo)
• Low barrier to entry ($19,266 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

41/100

⚠️ 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

▶

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

▶

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

▶

12290 Hagan Creek Dr W Single

Jacksonville, FL 32218 · 4bd/3.0ba · 2,283sf · Built 2007

$430,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,050

Loan Amount: $422,212

Fees / MIP: $7,262

Closing Costs: $12,900

Reserves (3mo): $8,870

Total Cash Needed: $36,820

Monthly Expenses

Mortgage P&I+MIP: $2,956.77

Property Tax: $698.75

Insurance: $304.40

HOA: $58.00

Maint + CapEx: $501.66

Vacancy + Mgmt: $424.99

Total: $4,944.57/mo

Returns

Market Rent (all units): $3,269

Your Rental Income: $3,269

Cashflow: $-1,675/mo

Annual: $-20,105/yr

Cash-on-Cash ROI: -54.6%

Cap Rate: 3.6% · DSCR: 0.43x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,675/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: $-796/mo (vs $-1,675/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-757/mo — saves $918/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-1,345/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,680/mo

STR vs LTR

-68%

BREAKEVEN OCC

74%

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: $-1,675/mo · STR: $-2,680/mo · CoC ROI: -78.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,269/mo

RANGE

$3,269 – $3,269

CONFIDENCE

LOW

N/A

Our estimate $3,269/mo ✅ Inline with market

No comparable rentals found in 32218

Purchase + Close$442,900

Reno Cost$66,826

Holding (6mo)$29,667

Total All-In$539,394

ARV$562,323

Selling Costs 8%$44,986

Flip Profit$-22,056

Flip ROI-23%

📍 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 ~19 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	$6,278	+$18,835	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 ~19 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

$66,826

VALUE ADDED

+$132,323

OVERALL ROI

198%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$65,497)
• Excellent reno ROI (198%)
• Negative cashflow ($-1,675/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,675/mo)
• Has flip exit strategy if hold doesn't work

🛡 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

▶

2816 NW 80th St Single

Jacksonville, FL 98117 · 3bd/2.0ba · 1,510sf · Built 1995

$699,500
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $55,500

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,985

Reserves (3mo): $13,767

Total Cash Needed: $90,252

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,136.69

Insurance: $201.33

HOA: $0.00

Maint + CapEx: $816.09

Vacancy + Mgmt: $380.12

Total: $7,123.11/mo

Returns

Market Rent (all units): $2,924

Your Rental Income: $2,924

Cashflow: $-4,199/mo

Annual: $-50,390/yr

Cash-on-Cash ROI: -55.8%

Cap Rate: 0.7% · DSCR: 0.08x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,199/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: $-2,990/mo (vs $-4,199/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,926/mo — saves $1,273/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,907/mo

STR vs LTR

-72%

BREAKEVEN OCC

100%

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: $-4,199/mo · STR: $-4,907/mo · CoC ROI: -67.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,923/mo

RANGE

$2,923 – $2,923

CONFIDENCE

LOW

N/A

Our estimate $2,923/mo ✅ Inline with market

No comparable rentals found in 98117

Purchase + Close$720,485

Reno Cost$67,058

Holding (6mo)$42,739

Total All-In$830,282

ARV$827,319

Selling Costs 8%$66,186

Flip Profit$-69,149

Flip ROI-48%

📍 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 ~31 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	$4,152	+$12,458	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

$67,058

VALUE ADDED

+$127,819

OVERALL ROI

191%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$60,760)
• Excellent reno ROI (191%)
• Aging property (1995) — renovation upside
• Negative cashflow ($-4,199/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,199/mo)
• High cash requirement ($90,252)
• 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

7801 Point Meadows Dr #7308 Single

Jacksonville, FL 32256 · 3bd/2.0ba · 1,247sf · Built 2003

$199,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $6,965

Loan Amount: $195,396

Fees / MIP: $3,361

Closing Costs: $5,970

Reserves (3mo): $4,105

Total Cash Needed: $17,040

Monthly Expenses

Mortgage P&I+MIP: $1,368.37

Property Tax: $323.38

Insurance: $166.27

HOA: $472.00

Maint + CapEx: $232.16

Vacancy + Mgmt: $262.08

Total: $2,824.26/mo

Returns

Market Rent (all units): $2,016

Your Rental Income: $2,016

Cashflow: $-808/mo

Annual: $-9,699/yr

Cash-on-Cash ROI: -56.9%

Cap Rate: 3.4% · DSCR: 0.41x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-808/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: $-401/mo (vs $-808/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-383/mo — saves $425/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-124/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,296/mo

STR vs LTR

-57%

BREAKEVEN OCC

65%

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: $-808/mo · STR: $-1,296/mo · CoC ROI: -64.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,015/mo

RANGE

$2,015 – $2,015

CONFIDENCE

LOW

N/A

Our estimate $2,015/mo ✅ Inline with market

No comparable rentals found in 32256

Purchase + Close$204,970

Reno Cost$52,786

Holding (6mo)$16,946

Total All-In$274,702

ARV$301,904

Selling Costs 8%$24,152

Flip Profit+$3,049

Flip ROI5%

📍 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	$3,429	+$10,288	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

$52,786

VALUE ADDED

+$102,904

OVERALL ROI

195%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$50,117)
• Excellent reno ROI (195%)
• Negative cashflow ($-808/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-808/mo)
• Low barrier to entry ($17,040 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

▶

11750 White Horse Rd Single

Jacksonville, FL 32246 · 2bd/2.0ba · 1,052sf · Built 1985

$260,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,100

Loan Amount: $255,291

Fees / MIP: $4,391

Closing Costs: $7,800

Reserves (3mo): $5,363

Total Cash Needed: $22,263

Monthly Expenses

Mortgage P&I+MIP: $1,787.82

Property Tax: $422.50

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $303.34

Vacancy + Mgmt: $236.71

Total: $2,900.36/mo

Returns

Market Rent (all units): $1,821

Your Rental Income: $1,821

Cashflow: $-1,080/mo

Annual: $-12,954/yr

Cash-on-Cash ROI: -58.2%

Cap Rate: 3.3% · DSCR: 0.40x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,080/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: $-548/mo (vs $-1,080/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-524/mo — saves $555/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-1,621/mo

STR vs LTR

-68%

BREAKEVEN OCC

81%

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: $-1,080/mo · STR: $-1,621/mo · CoC ROI: -73.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,820/mo

RANGE

$1,820 – $1,820

CONFIDENCE

LOW

N/A

Our estimate $1,820/mo ✅ Inline with market

No comparable rentals found in 32246

Purchase + Close$267,800

Reno Cost$71,089

Holding (6mo)$17,402

Total All-In$356,291

ARV$386,315

Selling Costs 8%$30,905

Flip Profit$-882

Flip ROI-1%

📍 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 ~41 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	$2,893	+$8,679	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$71,089

VALUE ADDED

+$126,315

OVERALL ROI

178%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$55,226)
• Excellent reno ROI (178%)
• Older build (1985) — high value-add potential
• Negative cashflow ($-1,080/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,080/mo)
• Low barrier to entry ($22,263 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

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

▶

10464 Osprey Nest Dr W Single

Jacksonville, FL 32257 · 3bd/2.0ba · 1,616sf · Built 1990

$370,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $12,950

Loan Amount: $363,298

Fees / MIP: $6,248

Closing Costs: $11,100

Reserves (3mo): $7,633

Total Cash Needed: $31,683

Monthly Expenses

Mortgage P&I+MIP: $2,544.20

Property Tax: $601.25

Insurance: $215.47

HOA: $10.00

Maint + CapEx: $431.66

Vacancy + Mgmt: $335.74

Total: $4,138.32/mo

Returns

Market Rent (all units): $2,583

Your Rental Income: $2,583

Cashflow: $-1,556/mo

Annual: $-18,669/yr

Cash-on-Cash ROI: -58.9%

Cap Rate: 3.2% · DSCR: 0.39x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,556/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: $-799/mo (vs $-1,556/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-766/mo — saves $790/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-2,357/mo

STR vs LTR

-69%

BREAKEVEN OCC

81%

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: $-1,556/mo · STR: $-2,357/mo · CoC ROI: -79.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,582/mo

RANGE

$2,582 – $2,582

CONFIDENCE

LOW

N/A

Our estimate $2,582/mo ✅ Inline with market

No comparable rentals found in 32257

Purchase + Close$381,100

Reno Cost$68,209

Holding (6mo)$24,830

Total All-In$474,139

ARV$500,458

Selling Costs 8%$40,037

Flip Profit$-13,717

Flip ROI-15%

📍 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 ~36 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	$4,444	+$13,332	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

$68,209

VALUE ADDED

+$130,458

OVERALL ROI

191%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$62,250)
• Excellent reno ROI (191%)
• Aging property (1990) — renovation upside
• Negative cashflow ($-1,556/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,556/mo)
• 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

32/100

🔴 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

▶

10224 Hamlet Glen Dr Single

Jacksonville, FL 32221 · 4bd/2.5ba · 2,849sf · Built 1997

$525,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $18,375

Loan Amount: $515,491

Fees / MIP: $8,866

Closing Costs: $15,750

Reserves (3mo): $10,830

Total Cash Needed: $44,955

Monthly Expenses

Mortgage P&I+MIP: $3,610.00

Property Tax: $853.12

Insurance: $379.87

HOA: $41.00

Maint + CapEx: $612.50

Vacancy + Mgmt: $489.35

Total: $5,985.85/mo

Returns

Market Rent (all units): $3,764

Your Rental Income: $3,764

Cashflow: $-2,222/mo

Annual: $-26,659/yr

Cash-on-Cash ROI: -59.3%

Cap Rate: 3.2% · DSCR: 0.38x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,222/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: $-1,148/mo (vs $-2,222/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,100/mo — saves $1,121/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-3,576/mo

STR vs LTR

-75%

BREAKEVEN OCC

84%

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: $-2,222/mo · STR: $-3,576/mo · CoC ROI: -90.5%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,764/mo

RANGE

$3,764 – $3,764

CONFIDENCE

LOW

N/A

Our estimate $3,764/mo ✅ Inline with market

No comparable rentals found in 32221

Purchase + Close$540,750

Reno Cost$66,804

Holding (6mo)$35,915

Total All-In$643,469

ARV$659,383

Selling Costs 8%$52,751

Flip Profit$-36,837

Flip ROI-36%

📍 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 ~29 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	$7,835	+$23,504	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 ~29 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

$66,804

VALUE ADDED

+$134,383

OVERALL ROI

201%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$67,579)
• Excellent reno ROI (201%)
• Aging property (1997) — renovation upside
• Negative cashflow ($-2,222/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,222/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

▶

8856 24th Ave SW Single

Jacksonville, FL 98106 · 2bd/2.0ba · 1,340sf · Built 2008

$699,950
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $55,950

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,998

Reserves (3mo): $13,767

Total Cash Needed: $90,715

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,137.42

Insurance: $178.67

HOA: $0.00

Maint + CapEx: $816.61

Vacancy + Mgmt: $333.09

Total: $7,054.68/mo

Returns

Market Rent (all units): $2,562

Your Rental Income: $2,562

Cashflow: $-4,492/mo

Annual: $-53,909/yr

Cash-on-Cash ROI: -59.4%

Cap Rate: 0.2% · DSCR: 0.02x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,492/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: $-3,285/mo (vs $-4,492/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,222/mo — saves $1,271/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-5,177/mo

STR vs LTR

-79%

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: $-4,492/mo · STR: $-5,177/mo · CoC ROI: -71.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,562/mo

RANGE

$2,562 – $2,562

CONFIDENCE

LOW

N/A

Our estimate $2,562/mo ✅ Inline with market

No comparable rentals found in 98106

Purchase + Close$720,948

Reno Cost$46,100

Holding (6mo)$42,328

Total All-In$809,377

ARV$794,931

Selling Costs 8%$63,594

Flip Profit$-78,040

Flip ROI-63%

📍 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	$3,685	+$11,055	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 ~18 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.
HIGH	Luxury Vinyl Plank (LVP)	$8,040	+$15,276	190%
📌 Waterproof LVP is ideal for Miami's humidity and withstands tenant use — low maintenance, 25-yr lifespan.

RENO COST

$46,100

VALUE ADDED

+$94,981

OVERALL ROI

206%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$48,881)
• Excellent reno ROI (206%)
• Negative cashflow ($-4,492/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,492/mo)
• High cash requirement ($90,715)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

10954 Heathfield Rd Single

Jacksonville, FL 32225 · 4bd/2.0ba · 2,022sf · Built 1989

$450,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,750

Loan Amount: $441,849

Fees / MIP: $7,599

Closing Costs: $13,500

Reserves (3mo): $9,283

Total Cash Needed: $38,533

Monthly Expenses

Mortgage P&I+MIP: $3,094.29

Property Tax: $731.25

Insurance: $269.60

HOA: $15.00

Maint + CapEx: $525.00

Vacancy + Mgmt: $405.68

Total: $5,040.82/mo

Returns

Market Rent (all units): $3,121

Your Rental Income: $3,121

Cashflow: $-1,920/mo

Annual: $-23,043/yr

Cash-on-Cash ROI: -59.8%

Cap Rate: 3.1% · DSCR: 0.38x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,920/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: $-1,000/mo (vs $-1,920/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-959/mo — saves $961/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-1,441/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,758/mo

STR vs LTR

-65%

BREAKEVEN OCC

75%

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: $-1,920/mo · STR: $-2,758/mo · CoC ROI: -77.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,120/mo

RANGE

$3,120 – $3,120

CONFIDENCE

LOW

N/A

Our estimate $3,120/mo ✅ Inline with market

No comparable rentals found in 32225

Purchase + Close$463,500

Reno Cost$72,614

Holding (6mo)$30,245

Total All-In$566,359

ARV$590,568

Selling Costs 8%$47,245

Flip Profit$-23,036

Flip ROI-23%

📍 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 ~37 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	$5,560	+$16,682	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

$72,614

VALUE ADDED

+$140,568

OVERALL ROI

194%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$67,954)
• Excellent reno ROI (194%)
• Aging property (1989) — renovation upside
• Negative cashflow ($-1,920/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,920/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

▶

7154 44TH Ave S Single

Jacksonville, FL 98118 · 3bd/2.0ba · 1,340sf · Built 2023

$695,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $51,000

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,850

Reserves (3mo): $13,767

Total Cash Needed: $85,617

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,129.38

Insurance: $178.67

HOA: $0.00

Maint + CapEx: $810.84

Vacancy + Mgmt: $364.69

Total: $7,072.45/mo

Returns

Market Rent (all units): $2,805

Your Rental Income: $2,805

Cashflow: $-4,267/mo

Annual: $-51,206/yr

Cash-on-Cash ROI: -59.8%

Cap Rate: 0.6% · DSCR: 0.07x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,267/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: $-3,036/mo (vs $-4,267/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,973/mo — saves $1,294/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,868/mo

STR vs LTR

-70%

BREAKEVEN OCC

100%

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: $-4,267/mo · STR: $-4,868/mo · CoC ROI: -70.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,805/mo

RANGE

$2,805 – $2,805

CONFIDENCE

LOW

N/A

Our estimate $2,805/mo ✅ Inline with market

No comparable rentals found in 98118

Purchase + Close$715,850

Reno Cost$4,710

Holding (6mo)$42,435

Total All-In$762,995

ARV$710,230

Selling Costs 8%$56,818

Flip Profit$-109,583

Flip ROI-143%

📍 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	$3,685	+$11,055	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

$4,710

VALUE ADDED

+$15,230

OVERALL ROI

323%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (323%)
• Negative cashflow ($-4,267/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,267/mo)
• High cash requirement ($85,617)

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

4250 Davinci Ave Single

Jacksonville, FL 32210 · 5bd/2.0ba · 2,259sf · Built 1924

$479,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $16,796

Loan Amount: $471,208

Fees / MIP: $8,104

Closing Costs: $14,397

Reserves (3mo): $9,900

Total Cash Needed: $41,093

Monthly Expenses

Mortgage P&I+MIP: $3,299.89

Property Tax: $779.84

Insurance: $301.20

HOA: $0.00

Maint + CapEx: $559.89

Vacancy + Mgmt: $431.02

Total: $5,371.83/mo

Returns

Market Rent (all units): $3,316

Your Rental Income: $3,316

Cashflow: $-2,056/mo

Annual: $-24,675/yr

Cash-on-Cash ROI: -60.0%

Cap Rate: 3.1% · DSCR: 0.38x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,056/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: $-1,075/mo (vs $-2,056/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,031/mo — saves $1,025/mo.

👥 Rent by Room

Rent 5 rooms at ~$900/room = $4,500/mo. Projected cashflow: $-872/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-3,241/mo

STR vs LTR

-75%

BREAKEVEN OCC

80%

STR EXPENSES BREAKDOWN

Platform fees: $135
Cleaning: $630
Management (20%): $900
Utilities: $575
Taxes (12%): $540
Other: $460

FURNITURE SETUP

Furniture: $11,500
Appliances: $800
Kitchen + Linens: $1,350
Electronics: $600
Decor + Supplies: $700
Total Setup: $15,250

🛡

LTR is safer bet

LTR: $-2,056/mo · STR: $-3,241/mo · CoC ROI: -83.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,315/mo

RANGE

$3,315 – $3,315

CONFIDENCE

LOW

N/A

Our estimate $3,315/mo ✅ Inline with market

No comparable rentals found in 32210

Purchase + Close$494,297

Reno Cost$109,046

Holding (6mo)$32,231

Total All-In$635,574

ARV$664,976

Selling Costs 8%$53,198

Flip Profit$-23,796

Flip ROI-17%

📍 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 ~102 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	$21,460	+$23,607	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

$109,046

VALUE ADDED

+$185,076

OVERALL ROI

170%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$76,030)
• Excellent reno ROI (170%)
• Older build (1924) — high value-add potential
• Negative cashflow ($-2,056/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,056/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

▶

5953 Fauntleroy Way SW Unit D Single

Jacksonville, FL 98136 · 2bd/2.5ba · 1,100sf · Built 2017

$695,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $51,000

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,850

Reserves (3mo): $13,767

Total Cash Needed: $85,617

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,129.38

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $810.84

Vacancy + Mgmt: $311.55

Total: $6,990.64/mo

Returns

Market Rent (all units): $2,396

Your Rental Income: $2,396

Cashflow: $-4,594/mo

Annual: $-55,130/yr

Cash-on-Cash ROI: -64.4%

Cap Rate: -0.0% · DSCR: -0.00x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,594/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: $-3,363/mo (vs $-4,594/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,300/mo — saves $1,294/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-5,129/mo

STR vs LTR

-75%

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: $-4,594/mo · STR: $-5,129/mo · CoC ROI: -75.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,396/mo

RANGE

$2,396 – $2,396

CONFIDENCE

LOW

N/A

Our estimate $2,396/mo ✅ Inline with market

No comparable rentals found in 98136

Purchase + Close$715,850

Reno Cost$8,100

Holding (6mo)$41,944

Total All-In$765,894

ARV$720,850

Selling Costs 8%$57,668

Flip Profit$-102,712

Flip ROI-128%

📍 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	$3,025	+$9,075	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

$8,100

VALUE ADDED

+$25,850

OVERALL ROI

319%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (319%)
• Negative cashflow ($-4,594/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,594/mo)
• High cash requirement ($85,617)

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

12647 Julington Oaks Dr Single

Jacksonville, FL 32223 · 4bd/2.5ba · 2,492sf · Built 2014

$549,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $19,246

Loan Amount: $539,940

Fees / MIP: $9,286

Closing Costs: $16,497

Reserves (3mo): $11,344

Total Cash Needed: $47,087

Monthly Expenses

Mortgage P&I+MIP: $3,781.23

Property Tax: $893.59

Insurance: $332.27

HOA: $55.00

Maint + CapEx: $641.55

Vacancy + Mgmt: $462.54

Total: $6,166.18/mo

Returns

Market Rent (all units): $3,558

Your Rental Income: $3,558

Cashflow: $-2,608/mo

Annual: $-31,298/yr

Cash-on-Cash ROI: -66.5%

Cap Rate: 2.6% · DSCR: 0.31x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,608/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: $-1,484/mo (vs $-2,608/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,434/mo — saves $1,174/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-3,735/mo

STR vs LTR

-72%

BREAKEVEN OCC

86%

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: $-2,608/mo · STR: $-3,735/mo · CoC ROI: -91.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,558/mo

RANGE

$3,558 – $3,558

CONFIDENCE

LOW

N/A

Our estimate $3,558/mo ✅ Inline with market

No comparable rentals found in 32223

Purchase + Close$566,397

Reno Cost$11,928

Holding (6mo)$36,997

Total All-In$615,322

ARV$587,234

Selling Costs 8%$46,979

Flip Profit$-75,067

Flip ROI-157%

📍 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	$6,853	+$20,559	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

$11,928

VALUE ADDED

+$37,334

OVERALL ROI

313%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$25,406)
• Excellent reno ROI (313%)
• Negative cashflow ($-2,608/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,608/mo)

🛡 NEIGHBORHOOD SAFETY

7/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

32/100

🔴 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

▶

2851 Post St Single

Jacksonville, FL 32205 · 4bd/2.5ba · 2,178sf · Built 1917

$565,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $19,775

Loan Amount: $554,766

Fees / MIP: $9,541

Closing Costs: $16,950

Reserves (3mo): $11,655

Total Cash Needed: $48,380

Monthly Expenses

Mortgage P&I+MIP: $3,885.05

Property Tax: $918.12

Insurance: $290.40

HOA: $0.00

Maint + CapEx: $659.16

Vacancy + Mgmt: $437.85

Total: $6,190.59/mo

Returns

Market Rent (all units): $3,368

Your Rental Income: $3,368

Cashflow: $-2,823/mo

Annual: $-33,870/yr

Cash-on-Cash ROI: -70.0%

Cap Rate: 2.3% · DSCR: 0.27x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,823/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: $-1,667/mo (vs $-2,823/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,616/mo — saves $1,207/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-2,591/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-3,750/mo

STR vs LTR

-69%

BREAKEVEN OCC

86%

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: $-2,823/mo · STR: $-3,750/mo · CoC ROI: -89.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,368/mo

RANGE

$3,368 – $3,368

CONFIDENCE

LOW

N/A

Our estimate $3,368/mo ✅ Inline with market

No comparable rentals found in 32205

Purchase + Close$581,950

Reno Cost$107,397

Holding (6mo)$37,144

Total All-In$726,491

ARV$747,212

Selling Costs 8%$59,777

Flip Profit$-39,056

Flip ROI-27%

📍 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 ~109 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	$20,691	+$22,760	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

$107,397

VALUE ADDED

+$182,212

OVERALL ROI

170%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$74,815)
• Excellent reno ROI (170%)
• Older build (1917) — high value-add potential
• Negative cashflow ($-2,823/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,823/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

▶

6318 5th Ave NE Unit C Single

Jacksonville, FL 98115 · 2bd/1.5ba · 838sf · Built 2001

$699,950
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $55,950

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,998

Reserves (3mo): $13,767

Total Cash Needed: $90,715

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,137.42

Insurance: $150.00

HOA: $625.00

Maint + CapEx: $816.61

Vacancy + Mgmt: $297.33

Total: $7,615.24/mo

Returns

Market Rent (all units): $2,287

Your Rental Income: $2,287

Cashflow: $-5,328/mo

Annual: $-63,937/yr

Cash-on-Cash ROI: -70.5%

Cap Rate: -1.3% · DSCR: -0.16x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-5,328/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: $-4,121/mo (vs $-5,328/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-4,057/mo — saves $1,271/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-5,762/mo

STR vs LTR

-74%

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: $-5,328/mo · STR: $-5,762/mo · CoC ROI: -80.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,287/mo

RANGE

$2,287 – $2,287

CONFIDENCE

LOW

N/A

Our estimate $2,287/mo ✅ Inline with market

No comparable rentals found in 98115

Purchase + Close$720,948

Reno Cost$44,232

Holding (6mo)$45,691

Total All-In$810,872

ARV$785,754

Selling Costs 8%$62,860

Flip Profit$-87,979

Flip ROI-73%

📍 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 ~25 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	$2,304	+$6,914	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 ~25 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

$44,232

VALUE ADDED

+$85,804

OVERALL ROI

194%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$41,572)
• Excellent reno ROI (194%)
• Negative cashflow ($-5,328/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-5,328/mo)
• High cash requirement ($90,715)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

16/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

805 S Donovan St Single

Jacksonville, FL 98108 · 5bd/2.0ba · 1,820sf · Built 1905

$595,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $20,825

Loan Amount: $584,223

Fees / MIP: $10,048

Closing Costs: $17,850

Reserves (3mo): $12,274

Total Cash Needed: $50,949

Monthly Expenses

Mortgage P&I+MIP: $4,091.34

Property Tax: $966.88

Insurance: $242.67

HOA: $0.00

Maint + CapEx: $694.16

Vacancy + Mgmt: $420.06

Total: $6,415.10/mo

Returns

Market Rent (all units): $3,231

Your Rental Income: $3,231

Cashflow: $-3,184/mo

Annual: $-38,207/yr

Cash-on-Cash ROI: -75.0%

Cap Rate: 1.8% · DSCR: 0.22x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,184/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: $-1,967/mo (vs $-3,184/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,913/mo — saves $1,271/mo.

👥 Rent by Room

Rent 5 rooms at ~$900/room = $4,500/mo. Projected cashflow: $-1,915/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-4,138/mo

STR vs LTR

-72%

BREAKEVEN OCC

90%

STR EXPENSES BREAKDOWN

Platform fees: $135
Cleaning: $630
Management (20%): $900
Utilities: $575
Taxes (12%): $540
Other: $460

FURNITURE SETUP

Furniture: $11,500
Appliances: $800
Kitchen + Linens: $1,350
Electronics: $600
Decor + Supplies: $700
Total Setup: $15,250

🛡

LTR is safer bet

LTR: $-3,184/mo · STR: $-4,138/mo · CoC ROI: -92.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,231/mo

RANGE

$3,231 – $3,231

CONFIDENCE

LOW

N/A

Our estimate $3,231/mo ✅ Inline with market

No comparable rentals found in 98108

Purchase + Close$612,850

Reno Cost$100,112

Holding (6mo)$38,491

Total All-In$751,453

ARV$764,557

Selling Costs 8%$61,165

Flip Profit$-48,060

Flip ROI-35%

📍 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 ~121 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	$17,290	+$19,019	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

$100,112

VALUE ADDED

+$169,557

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$69,445)
• Excellent reno ROI (169%)
• Older build (1905) — high value-add potential
• Negative cashflow ($-3,184/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,184/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

21/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

9059 Carkeek Dr S Single

Jacksonville, FL 98118 · 4bd/2.0ba · 2,250sf · Built 1918

$649,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $22,746

Loan Amount: $638,129

Fees / MIP: $10,975

Closing Costs: $19,497

Reserves (3mo): $13,407

Total Cash Needed: $55,650

Monthly Expenses

Mortgage P&I+MIP: $4,468.85

Property Tax: $1,056.09

Insurance: $300.00

HOA: $0.00

Maint + CapEx: $758.21

Vacancy + Mgmt: $457.87

Total: $7,041.02/mo

Returns

Market Rent (all units): $3,522

Your Rental Income: $3,522

Cashflow: $-3,519/mo

Annual: $-42,227/yr

Cash-on-Cash ROI: -75.9%

Cap Rate: 1.8% · DSCR: 0.21x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,519/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: $-2,190/mo (vs $-3,519/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,131/mo — saves $1,388/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-4,485/mo

STR vs LTR

-70%

BREAKEVEN OCC

94%

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: $-3,519/mo · STR: $-4,485/mo · CoC ROI: -96.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,522/mo

RANGE

$3,522 – $3,522

CONFIDENCE

LOW

N/A

Our estimate $3,522/mo ✅ Inline with market

No comparable rentals found in 98118

Purchase + Close$669,397

Reno Cost$108,862

Holding (6mo)$42,246

Total All-In$820,506

ARV$834,658

Selling Costs 8%$66,773

Flip Profit$-52,621

Flip ROI-35%

📍 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 ~108 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	$21,375	+$23,512	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

$108,862

VALUE ADDED

+$184,758

OVERALL ROI

170%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$75,895)
• Excellent reno ROI (170%)
• Older build (1918) — high value-add potential
• Negative cashflow ($-3,519/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,519/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 Found 🔍 Search Property Records →

📈 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

▶

9796 11th Ave SW Single

Jacksonville, FL 98106 · 3bd/3.5ba · 1,800sf · Built 2019

$675,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $31,000

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,250

Reserves (3mo): $13,767

Total Cash Needed: $65,017

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,096.88

Insurance: $240.00

HOA: $362.00

Maint + CapEx: $787.50

Vacancy + Mgmt: $401.21

Total: $7,476.47/mo

Returns

Market Rent (all units): $3,086

Your Rental Income: $3,086

Cashflow: $-4,390/mo

Annual: $-52,683/yr

Cash-on-Cash ROI: -81.0%

Cap Rate: 0.3% · DSCR: 0.04x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,390/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: $-3,063/mo (vs $-4,390/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,001/mo — saves $1,389/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-5,284/mo

STR vs LTR

-75%

BREAKEVEN OCC

100%

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: $-4,390/mo · STR: $-5,284/mo · CoC ROI: -101.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,086/mo

RANGE

$3,086 – $3,086

CONFIDENCE

LOW

N/A

Our estimate $3,086/mo ✅ Inline with market

No comparable rentals found in 98106

Purchase + Close$695,250

Reno Cost$10,025

Holding (6mo)$44,859

Total All-In$750,134

ARV$706,625

Selling Costs 8%$56,530

Flip Profit$-100,039

Flip ROI-163%

📍 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	$4,950	+$14,850	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

$10,025

VALUE ADDED

+$31,625

OVERALL ROI

316%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$21,600)
• Excellent reno ROI (316%)
• Negative cashflow ($-4,390/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,390/mo)
• High cash requirement ($65,017)

🛡 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

14341 Interlake Ave N Single

Jacksonville, FL 98133 · 3bd/1.0ba · 1,080sf · Built 1937

$674,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $30,000

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,220

Reserves (3mo): $13,767

Total Cash Needed: $63,987

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,095.25

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $786.34

Vacancy + Mgmt: $338.80

Total: $6,959.27/mo

Returns

Market Rent (all units): $2,606

Your Rental Income: $2,606

Cashflow: $-4,353/mo

Annual: $-52,237/yr

Cash-on-Cash ROI: -81.6%

Cap Rate: 0.4% · DSCR: 0.05x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,353/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: $-3,021/mo (vs $-4,353/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,959/mo — saves $1,394/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,794/mo

STR vs LTR

-66%

BREAKEVEN OCC

100%

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: $-4,353/mo · STR: $-4,794/mo · CoC ROI: -93.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,606/mo

RANGE

$2,606 – $2,606

CONFIDENCE

LOW

N/A

Our estimate $2,606/mo ✅ Inline with market

No comparable rentals found in 98133

Purchase + Close$694,220

Reno Cost$79,528

Holding (6mo)$41,756

Total All-In$815,504

ARV$807,786

Selling Costs 8%$64,623

Flip Profit$-72,341

Flip ROI-56%

📍 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 ~89 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	$10,260	+$11,286	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

$79,528

VALUE ADDED

+$133,786

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$54,258)
• Excellent reno ROI (168%)
• Older build (1937) — high value-add potential
• Negative cashflow ($-4,353/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,353/mo)
• High cash requirement ($63,987)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1227 S Henderson St Single

Jacksonville, FL 98108 · 4bd/3.0ba · 1,590sf · Built 1948

$665,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $23,275

Loan Amount: $652,955

Fees / MIP: $11,230

Closing Costs: $19,950

Reserves (3mo): $13,718

Total Cash Needed: $56,943

Monthly Expenses

Mortgage P&I+MIP: $4,572.67

Property Tax: $1,080.62

Insurance: $212.00

HOA: $0.00

Maint + CapEx: $775.84

Vacancy + Mgmt: $403.26

Total: $7,044.39/mo

Returns

Market Rent (all units): $3,102

Your Rental Income: $3,102

Cashflow: $-3,942/mo

Annual: $-47,308/yr

Cash-on-Cash ROI: -83.1%

Cap Rate: 1.1% · DSCR: 0.14x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,942/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: $-2,583/mo (vs $-3,942/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,522/mo — saves $1,420/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-3,444/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-4,490/mo

STR vs LTR

-62%

BREAKEVEN OCC

94%

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: $-3,942/mo · STR: $-4,490/mo · CoC ROI: -95.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,102/mo

RANGE

$3,102 – $3,102

CONFIDENCE

LOW

N/A

Our estimate $3,102/mo ✅ Inline with market

No comparable rentals found in 98108

Purchase + Close$684,950

Reno Cost$100,956

Holding (6mo)$42,266

Total All-In$828,173

ARV$836,039

Selling Costs 8%$66,883

Flip Profit$-59,017

Flip ROI-41%

📍 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 ~78 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	$15,105	+$16,616	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

$100,956

VALUE ADDED

+$171,039

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$70,082)
• Excellent reno ROI (169%)
• Older build (1948) — high value-add potential
• Negative cashflow ($-3,942/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,942/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1730 SW Barton St Single

Jacksonville, FL 98106 · 2bd/1.5ba · 1,190sf · Built 2010

$479,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $16,765

Loan Amount: $470,324

Fees / MIP: $8,089

Closing Costs: $14,370

Reserves (3mo): $9,881

Total Cash Needed: $41,016

Monthly Expenses

Mortgage P&I+MIP: $3,293.70

Property Tax: $778.38

Insurance: $158.67

HOA: $85.00

Maint + CapEx: $558.84

Vacancy + Mgmt: $284.23

Total: $5,158.80/mo

Returns

Market Rent (all units): $2,186

Your Rental Income: $2,186

Cashflow: $-2,972/mo

Annual: $-35,669/yr

Cash-on-Cash ROI: -87.0%

Cap Rate: 0.8% · DSCR: 0.10x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,972/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: $-1,993/mo (vs $-2,972/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,949/mo — saves $1,023/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-3,580/mo

STR vs LTR

-74%

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: $-2,972/mo · STR: $-3,580/mo · CoC ROI: -106.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,186/mo

RANGE

$2,186 – $2,186

CONFIDENCE

LOW

N/A

Our estimate $2,186/mo ✅ Inline with market

No comparable rentals found in 98106

Purchase + Close$493,370

Reno Cost$39,812

Holding (6mo)$30,953

Total All-In$564,135

ARV$561,971

Selling Costs 8%$44,958

Flip Profit$-47,122

Flip ROI-66%

📍 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	$3,272	+$9,818	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 ~16 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.
HIGH	Luxury Vinyl Plank (LVP)	$7,140	+$13,566	190%
📌 Waterproof LVP is ideal for Miami's humidity and withstands tenant use — low maintenance, 25-yr lifespan.

RENO COST

$39,812

VALUE ADDED

+$82,971

OVERALL ROI

208%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$43,158)
• Excellent reno ROI (208%)
• Negative cashflow ($-2,972/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,972/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

4051 19th Ave SW Single

Jacksonville, FL 98106 · 2bd/1.0ba · 1,340sf · Built 1910

$575,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $20,125

Loan Amount: $564,585

Fees / MIP: $9,710

Closing Costs: $17,250

Reserves (3mo): $11,861

Total Cash Needed: $49,236

Monthly Expenses

Mortgage P&I+MIP: $3,953.82

Property Tax: $934.38

Insurance: $178.67

HOA: $0.00

Maint + CapEx: $670.84

Vacancy + Mgmt: $312.80

Total: $6,050.49/mo

Returns

Market Rent (all units): $2,406

Your Rental Income: $2,406

Cashflow: $-3,644/mo

Annual: $-43,733/yr

Cash-on-Cash ROI: -88.8%

Cap Rate: 0.7% · DSCR: 0.08x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,644/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: $-2,469/mo (vs $-3,644/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,416/mo — saves $1,228/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,339/mo

STR vs LTR

-77%

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: $-3,644/mo · STR: $-4,339/mo · CoC ROI: -111.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,406/mo

RANGE

$2,406 – $2,406

CONFIDENCE

LOW

N/A

Our estimate $2,406/mo ✅ Inline with market

No comparable rentals found in 98106

Purchase + Close$592,250

Reno Cost$84,819

Holding (6mo)$36,303

Total All-In$713,372

ARV$717,976

Selling Costs 8%$57,438

Flip Profit$-52,834

Flip ROI-43%

📍 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 ~116 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	$12,730	+$14,003	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

$84,819

VALUE ADDED

+$142,976

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$58,158)
• Excellent reno ROI (169%)
• Older build (1910) — high value-add potential
• Negative cashflow ($-3,644/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,644/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

3710 SW 106th St Single

Jacksonville, FL 98146 · 2bd/1.0ba · 870sf · Built 1937

$499,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $17,465

Loan Amount: $489,962

Fees / MIP: $8,427

Closing Costs: $14,970

Reserves (3mo): $10,294

Total Cash Needed: $42,729

Monthly Expenses

Mortgage P&I+MIP: $3,431.22

Property Tax: $810.88

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $582.16

Vacancy + Mgmt: $259.81

Total: $5,234.07/mo

Returns

Market Rent (all units): $1,999

Your Rental Income: $1,999

Cashflow: $-3,236/mo

Annual: $-38,826/yr

Cash-on-Cash ROI: -90.9%

Cap Rate: 0.5% · DSCR: 0.06x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,236/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: $-2,215/mo (vs $-3,236/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,170/mo — saves $1,066/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-3,652/mo

STR vs LTR

-70%

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: $-3,236/mo · STR: $-3,652/mo · CoC ROI: -104.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,998/mo

RANGE

$1,998 – $1,998

CONFIDENCE

LOW

N/A

Our estimate $1,998/mo ✅ Inline with market

No comparable rentals found in 98146

Purchase + Close$513,970

Reno Cost$75,254

Holding (6mo)$31,404

Total All-In$620,629

ARV$625,362

Selling Costs 8%$50,029

Flip Profit$-45,296

Flip ROI-42%

📍 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 ~89 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	$8,265	+$9,092	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

$75,254

VALUE ADDED

+$126,362

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$51,108)
• Excellent reno ROI (168%)
• Older build (1937) — high value-add potential
• Negative cashflow ($-3,236/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,236/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

919 NW 56th St Unit D Single

Jacksonville, FL 98107 · 2bd/2.0ba · 1,120sf · Built 2021

$670,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $26,000

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,100

Reserves (3mo): $13,767

Total Cash Needed: $59,867

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,088.75

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $781.66

Vacancy + Mgmt: $309.21

Total: $6,918.52/mo

Returns

Market Rent (all units): $2,379

Your Rental Income: $2,379

Cashflow: $-4,540/mo

Annual: $-54,480/yr

Cash-on-Cash ROI: -91.0%

Cap Rate: 0.1% · DSCR: 0.01x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,540/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: $-3,188/mo (vs $-4,540/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,127/mo — saves $1,413/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-5,088/mo

STR vs LTR

-75%

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: $-4,540/mo · STR: $-5,088/mo · CoC ROI: -110.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,378/mo

RANGE

$2,378 – $2,378

CONFIDENCE

LOW

N/A

Our estimate $2,378/mo ✅ Inline with market

No comparable rentals found in 98107

Purchase + Close$690,100

Reno Cost$4,105

Holding (6mo)$41,511

Total All-In$735,716

ARV$683,415

Selling Costs 8%$54,673

Flip Profit$-106,974

Flip ROI-213%

📍 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	$3,080	+$9,240	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

$4,105

VALUE ADDED

+$13,415

OVERALL ROI

327%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (327%)
• Negative cashflow ($-4,540/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,540/mo)

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

3807 Martin Luther King Jr Way S Unit B Single

Jacksonville, FL 98108 · 2bd/2.5ba · 1,488sf · Built 2016

$650,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $22,750

Loan Amount: $638,227

Fees / MIP: $10,977

Closing Costs: $19,500

Reserves (3mo): $13,409

Total Cash Needed: $55,659

Monthly Expenses

Mortgage P&I+MIP: $4,469.53

Property Tax: $1,056.25

Insurance: $198.40

HOA: $0.00

Maint + CapEx: $758.34

Vacancy + Mgmt: $337.77

Total: $6,820.29/mo

Returns

Market Rent (all units): $2,598

Your Rental Income: $2,598

Cashflow: $-4,222/mo

Annual: $-50,664/yr

Cash-on-Cash ROI: -91.0%

Cap Rate: 0.5% · DSCR: 0.06x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,222/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: $-2,893/mo (vs $-4,222/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,834/mo — saves $1,388/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-5,004/mo

STR vs LTR

-80%

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: $-4,222/mo · STR: $-5,004/mo · CoC ROI: -116.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,598/mo

RANGE

$2,598 – $2,598

CONFIDENCE

LOW

N/A

Our estimate $2,598/mo ✅ Inline with market

No comparable rentals found in 98108

Purchase + Close$669,500

Reno Cost$9,167

Holding (6mo)$40,922

Total All-In$719,589

ARV$679,051

Selling Costs 8%$54,324

Flip Profit$-94,862

Flip ROI-184%

📍 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	$4,092	+$12,276	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

$9,167

VALUE ADDED

+$29,051

OVERALL ROI

317%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (317%)
• Negative cashflow ($-4,222/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,222/mo)

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

12656 74th Pl S Single

Jacksonville, FL 98178 · 2bd/1.0ba · 900sf · Built 1943

$515,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $18,025

Loan Amount: $505,672

Fees / MIP: $8,697

Closing Costs: $15,450

Reserves (3mo): $10,624

Total Cash Needed: $44,099

Monthly Expenses

Mortgage P&I+MIP: $3,541.24

Property Tax: $836.88

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $600.84

Vacancy + Mgmt: $265.01

Total: $5,393.95/mo

Returns

Market Rent (all units): $2,038

Your Rental Income: $2,038

Cashflow: $-3,355/mo

Annual: $-40,265/yr

Cash-on-Cash ROI: -91.3%

Cap Rate: 0.4% · DSCR: 0.05x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,355/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: $-2,302/mo (vs $-3,355/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,256/mo — saves $1,100/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-3,788/mo

STR vs LTR

-71%

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: $-3,355/mo · STR: $-3,788/mo · CoC ROI: -106.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,038/mo

RANGE

$2,038 – $2,038

CONFIDENCE

LOW

N/A

Our estimate $2,038/mo ✅ Inline with market

No comparable rentals found in 98178

Purchase + Close$530,450

Reno Cost$75,865

Holding (6mo)$32,364

Total All-In$638,679

ARV$642,422

Selling Costs 8%$51,394

Flip Profit$-47,650

Flip ROI-44%

📍 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	$8,550	+$9,405	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

$75,865

VALUE ADDED

+$127,422

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$51,558)
• Excellent reno ROI (168%)
• Older build (1943) — high value-add potential
• Negative cashflow ($-3,355/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,355/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

918 N 100th St Unit B Single

Jacksonville, FL 98133 · 2bd/1.5ba · 900sf · Built 2022

$624,999
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $21,875

Loan Amount: $613,679

Fees / MIP: $10,555

Closing Costs: $18,750

Reserves (3mo): $12,893

Total Cash Needed: $53,518

Monthly Expenses

Mortgage P&I+MIP: $4,297.62

Property Tax: $1,015.62

Insurance: $150.00

HOA: $57.00

Maint + CapEx: $729.16

Vacancy + Mgmt: $282.88

Total: $6,532.29/mo

Returns

Market Rent (all units): $2,176

Your Rental Income: $2,176

Cashflow: $-4,356/mo

Annual: $-52,275/yr

Cash-on-Cash ROI: -97.7%

Cap Rate: -0.1% · DSCR: -0.01x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,356/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: $-3,078/mo (vs $-4,356/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,021/mo — saves $1,335/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,781/mo

STR vs LTR

-73%

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: $-4,356/mo · STR: $-4,781/mo · CoC ROI: -114.7%

🏠 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 98133

Purchase + Close$643,749

Reno Cost$3,500

Holding (6mo)$39,194

Total All-In$686,443

ARV$636,599

Selling Costs 8%$50,928

Flip Profit$-100,772

Flip ROI-228%

📍 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	$2,475	+$7,425	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

$3,500

VALUE ADDED

+$11,600

OVERALL ROI

331%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (331%)
• Negative cashflow ($-4,356/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,356/mo)

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

2031 NW 59th St #301 Single

Jacksonville, FL 98107 · 1bd/1.0ba · 696sf · Built 1978

$350,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $12,250

Loan Amount: $343,661

Fees / MIP: $5,911

Closing Costs: $10,500

Reserves (3mo): $7,220

Total Cash Needed: $29,970

Monthly Expenses

Mortgage P&I+MIP: $2,406.67

Property Tax: $568.75

Insurance: $150.00

HOA: $305.00

Maint + CapEx: $408.34

Vacancy + Mgmt: $207.42

Total: $4,046.17/mo

Returns

Market Rent (all units): $1,596

Your Rental Income: $1,596

Cashflow: $-2,451/mo

Annual: $-29,408/yr

Cash-on-Cash ROI: -98.1%

Cap Rate: -0.1% · DSCR: -0.02x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,451/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: $-1,735/mo (vs $-2,451/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,703/mo — saves $747/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,971/mo

STR vs LTR

-81%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-2,451/mo · STR: $-2,971/mo · CoC ROI: -118.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,595/mo

RANGE

$1,595 – $1,595

CONFIDENCE

LOW

N/A

Our estimate $1,595/mo ✅ Inline with market

No comparable rentals found in 98107

Purchase + Close$360,500

Reno Cost$61,702

Holding (6mo)$24,277

Total All-In$446,479

ARV$457,838

Selling Costs 8%$36,627

Flip Profit$-25,268

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 ~48 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	$1,914	+$5,742	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$61,702

VALUE ADDED

+$107,838

OVERALL ROI

175%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$46,136)
• Excellent reno ROI (175%)
• Older build (1978) — high value-add potential
• Negative cashflow ($-2,451/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,451/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

11549 8th Ave NE Single

Jacksonville, FL 98125 · 2bd/1.0ba · 770sf · Built 1941

$639,950
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $22,398

Loan Amount: $628,359

Fees / MIP: $10,807

Closing Costs: $19,198

Reserves (3mo): $13,201

Total Cash Needed: $54,798

Monthly Expenses

Mortgage P&I+MIP: $4,400.42

Property Tax: $1,039.92

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $746.61

Vacancy + Mgmt: $274.07

Total: $6,611.02/mo

Returns

Market Rent (all units): $2,108

Your Rental Income: $2,108

Cashflow: $-4,503/mo

Annual: $-54,033/yr

Cash-on-Cash ROI: -98.6%

Cap Rate: -0.2% · DSCR: -0.02x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,503/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: $-3,194/mo (vs $-4,503/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,136/mo — saves $1,367/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,851/mo

STR vs LTR

-72%

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: $-4,503/mo · STR: $-4,851/mo · CoC ROI: -114.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,108/mo

RANGE

$2,108 – $2,108

CONFIDENCE

LOW

N/A

Our estimate $2,108/mo ✅ Inline with market

No comparable rentals found in 98125

Purchase + Close$659,148

Reno Cost$73,220

Holding (6mo)$39,666

Total All-In$772,034

ARV$762,777

Selling Costs 8%$61,022

Flip Profit$-70,279

Flip ROI-61%

📍 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 ~85 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	$7,315	+$8,046	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

$73,220

VALUE ADDED

+$122,827

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$49,608)
• Excellent reno ROI (168%)
• Older build (1941) — high value-add potential
• Negative cashflow ($-4,503/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,503/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

16/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

14531 Dayton Ave N #1 Single

Jacksonville, FL 98133 · 2bd/1.0ba · 893sf · Built 1966

$345,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $12,075

Loan Amount: $338,751

Fees / MIP: $5,826

Closing Costs: $10,350

Reserves (3mo): $7,117

Total Cash Needed: $29,542

Monthly Expenses

Mortgage P&I+MIP: $2,372.29

Property Tax: $560.62

Insurance: $150.00

HOA: $600.00

Maint + CapEx: $402.50

Vacancy + Mgmt: $244.90

Total: $4,330.32/mo

Returns

Market Rent (all units): $1,884

Your Rental Income: $1,884

Cashflow: $-2,446/mo

Annual: $-29,358/yr

Cash-on-Cash ROI: -99.4%

Cap Rate: -0.3% · DSCR: -0.03x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,446/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: $-1,741/mo (vs $-2,446/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,710/mo — saves $737/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-2,943/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: $-2,446/mo · STR: $-2,943/mo · CoC ROI: -111.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,883/mo

RANGE

$1,883 – $1,883

CONFIDENCE

LOW

N/A

Our estimate $1,883/mo ✅ Inline with market

No comparable rentals found in 98133

Purchase + Close$355,350

Reno Cost$75,723

Holding (6mo)$25,982

Total All-In$457,054

ARV$472,175

Selling Costs 8%$37,774

Flip Profit$-22,653

Flip ROI-23%

📍 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 ~60 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	$8,484	+$9,332	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

$75,723

VALUE ADDED

+$127,175

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$51,452)
• Excellent reno ROI (168%)
• Older build (1966) — high value-add potential
• Negative cashflow ($-2,446/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,446/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1747 NE 147th St #1 Single

Jacksonville, FL 98155 · 1bd/1.0ba · 700sf · Built 1926

$549,108
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $19,219

Loan Amount: $539,162

Fees / MIP: $9,273

Closing Costs: $16,473

Reserves (3mo): $11,327

Total Cash Needed: $47,019

Monthly Expenses

Mortgage P&I+MIP: $3,775.78

Property Tax: $892.30

Insurance: $150.00

HOA: $4.00

Maint + CapEx: $640.63

Vacancy + Mgmt: $233.79

Total: $5,696.49/mo

Returns

Market Rent (all units): $1,798

Your Rental Income: $1,798

Cashflow: $-3,898/mo

Annual: $-46,778/yr

Cash-on-Cash ROI: -99.5%

Cap Rate: -0.3% · DSCR: -0.03x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,898/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: $-2,775/mo (vs $-3,898/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,725/mo — saves $1,173/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-4,362/mo

STR vs LTR

-83%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-3,898/mo · STR: $-4,362/mo · CoC ROI: -121.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,798/mo

RANGE

$1,798 – $1,798

CONFIDENCE

LOW

N/A

Our estimate $1,798/mo ✅ Inline with market

No comparable rentals found in 98155

Purchase + Close$565,581

Reno Cost$71,795

Holding (6mo)$34,179

Total All-In$671,555

ARV$669,460

Selling Costs 8%$53,557

Flip Profit$-55,652

Flip ROI-52%

📍 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 ~100 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	$6,650	+$7,315	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

$71,795

VALUE ADDED

+$120,352

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$48,558)
• Excellent reno ROI (168%)
• Older build (1926) — high value-add potential
• Negative cashflow ($-3,898/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,898/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

16/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

7546 26th Ave NW Unit B Single

Jacksonville, FL 98117 · 2bd/2.5ba · 840sf · Built 2023

$624,950
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $21,873

Loan Amount: $613,631

Fees / MIP: $10,554

Closing Costs: $18,748

Reserves (3mo): $12,892

Total Cash Needed: $53,514

Monthly Expenses

Mortgage P&I+MIP: $4,297.28

Property Tax: $1,015.54

Insurance: $150.00

HOA: $125.00

Maint + CapEx: $729.11

Vacancy + Mgmt: $277.68

Total: $6,594.62/mo

Returns

Market Rent (all units): $2,136

Your Rental Income: $2,136

Cashflow: $-4,459/mo

Annual: $-53,503/yr

Cash-on-Cash ROI: -100.0%

Cap Rate: -0.3% · DSCR: -0.04x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,459/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: $-3,181/mo (vs $-4,459/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,124/mo — saves $1,335/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,848/mo

STR vs LTR

-72%

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: $-4,459/mo · STR: $-4,848/mo · CoC ROI: -116.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,136/mo

RANGE

$2,136 – $2,136

CONFIDENCE

LOW

N/A

Our estimate $2,136/mo ✅ Inline with market

No comparable rentals found in 98117

Purchase + Close$643,698

Reno Cost$3,335

Holding (6mo)$39,568

Total All-In$686,601

ARV$636,055

Selling Costs 8%$50,884

Flip Profit$-101,431

Flip ROI-231%

📍 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	$2,310	+$6,930	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

$3,335

VALUE ADDED

+$11,105

OVERALL ROI

333%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (333%)
• Negative cashflow ($-4,459/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,459/mo)

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

715 24th Ave #306 Single

Jacksonville, FL 98122 · 2bd/1.0ba · 751sf · Built 1928

$429,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,046

Loan Amount: $422,113

Fees / MIP: $7,260

Closing Costs: $12,897

Reserves (3mo): $8,868

Total Cash Needed: $36,812

Monthly Expenses

Mortgage P&I+MIP: $2,956.08

Property Tax: $698.59

Insurance: $150.00

HOA: $463.00

Maint + CapEx: $501.55

Vacancy + Mgmt: $245.13

Total: $5,014.35/mo

Returns

Market Rent (all units): $1,886

Your Rental Income: $1,886

Cashflow: $-3,129/mo

Annual: $-37,545/yr

Cash-on-Cash ROI: -102.0%

Cap Rate: -0.5% · DSCR: -0.06x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,129/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: $-2,250/mo (vs $-3,129/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,211/mo — saves $918/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-3,528/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: $-3,129/mo · STR: $-3,528/mo · CoC ROI: -113.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,885/mo

RANGE

$1,885 – $1,885

CONFIDENCE

LOW

N/A

Our estimate $1,885/mo ✅ Inline with market

No comparable rentals found in 98122

Purchase + Close$442,797

Reno Cost$72,833

Holding (6mo)$30,086

Total All-In$545,716

ARV$552,055

Selling Costs 8%$44,164

Flip Profit$-37,825

Flip ROI-38%

📍 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 ~98 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	$7,134	+$7,848	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

$72,833

VALUE ADDED

+$122,155

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$49,322)
• Excellent reno ROI (168%)
• Older build (1928) — high value-add potential
• Negative cashflow ($-3,129/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,129/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

530 4th Ave W #108 Single

Jacksonville, FL 98119 · 1bd/1.0ba · 608sf · Built 2006

$359,950
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $12,598

Loan Amount: $353,430

Fees / MIP: $6,079

Closing Costs: $10,798

Reserves (3mo): $7,425

Total Cash Needed: $30,822

Monthly Expenses

Mortgage P&I+MIP: $2,475.09

Property Tax: $584.92

Insurance: $150.00

HOA: $346.00

Maint + CapEx: $419.94

Vacancy + Mgmt: $200.62

Total: $4,176.58/mo

Returns

Market Rent (all units): $1,543

Your Rental Income: $1,543

Cashflow: $-2,633/mo

Annual: $-31,600/yr

Cash-on-Cash ROI: -102.5%

Cap Rate: -0.5% · DSCR: -0.06x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,633/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: $-1,897/mo (vs $-2,633/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,865/mo — saves $769/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-3,096/mo

STR vs LTR

-80%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-2,633/mo · STR: $-3,096/mo · CoC ROI: -120.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,543/mo

RANGE

$1,543 – $1,543

CONFIDENCE

LOW

N/A

Our estimate $1,543/mo ✅ Inline with market

No comparable rentals found in 98119

Purchase + Close$370,748

Reno Cost$42,220

Holding (6mo)$25,059

Total All-In$438,028

ARV$441,235

Selling Costs 8%$35,299

Flip Profit$-32,092

Flip ROI-49%

📍 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 ~20 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	$1,672	+$5,016	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 ~20 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

$42,220

VALUE ADDED

+$81,285

OVERALL ROI

192%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$39,065)
• Excellent reno ROI (192%)
• Negative cashflow ($-2,633/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,633/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

120 14th Ave #12 Single

Jacksonville, FL 98122 · 1bd/1.0ba · 447sf · Built 1928

$269,500
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,432

Loan Amount: $264,619

Fees / MIP: $4,551

Closing Costs: $8,085

Reserves (3mo): $5,559

Total Cash Needed: $23,077

Monthly Expenses

Mortgage P&I+MIP: $1,853.14

Property Tax: $437.94

Insurance: $150.00

HOA: $367.00

Maint + CapEx: $314.41

Vacancy + Mgmt: $170.54

Total: $3,293.04/mo

Returns

Market Rent (all units): $1,312

Your Rental Income: $1,312

Cashflow: $-1,981/mo

Annual: $-23,774/yr

Cash-on-Cash ROI: -103.0%

Cap Rate: -0.6% · DSCR: -0.07x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,981/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: $-1,430/mo (vs $-1,981/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,406/mo — saves $576/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,348/mo

STR vs LTR

-76%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-1,981/mo · STR: $-2,348/mo · CoC ROI: -112.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,311/mo

RANGE

$1,311 – $1,311

CONFIDENCE

LOW

N/A

Our estimate $1,311/mo ✅ Inline with market

No comparable rentals found in 98122

Purchase + Close$277,585

Reno Cost$66,646

Holding (6mo)$19,758

Total All-In$363,990

ARV$380,909

Selling Costs 8%$30,473

Flip Profit$-13,553

Flip ROI-16%

📍 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 ~98 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	$4,246	+$4,671	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

$66,646

VALUE ADDED

+$111,409

OVERALL ROI

167%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$44,762)
• Excellent reno ROI (167%)
• Older build (1928) — high value-add potential
• Negative cashflow ($-1,981/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,981/mo)
• Low barrier to entry ($23,077 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

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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

3624 Whitman Ave N #1 Single

Jacksonville, FL 98103 · 1bd/1.0ba · 370sf · Built 1906

$300,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $10,500

Loan Amount: $294,566

Fees / MIP: $5,066

Closing Costs: $9,000

Reserves (3mo): $6,189

Total Cash Needed: $25,689

Monthly Expenses

Mortgage P&I+MIP: $2,062.86

Property Tax: $487.50

Insurance: $150.00

HOA: $300.00

Maint + CapEx: $350.00

Vacancy + Mgmt: $168.14

Total: $3,518.50/mo

Returns

Market Rent (all units): $1,293

Your Rental Income: $1,293

Cashflow: $-2,225/mo

Annual: $-26,701/yr

Cash-on-Cash ROI: -103.9%

Cap Rate: -0.7% · DSCR: -0.08x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,225/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: $-1,612/mo (vs $-2,225/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,584/mo — saves $641/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,541/mo

STR vs LTR

-76%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-2,225/mo · STR: $-2,541/mo · CoC ROI: -113.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,293/mo

RANGE

$1,293 – $1,293

CONFIDENCE

LOW

N/A

Our estimate $1,293/mo ✅ Inline with market

No comparable rentals found in 98103

Purchase + Close$309,000

Reno Cost$65,080

Holding (6mo)$21,111

Total All-In$395,190

ARV$408,687

Selling Costs 8%$32,695

Flip Profit$-19,198

Flip ROI-23%

📍 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 ~120 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	$3,515	+$3,866	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

$65,080

VALUE ADDED

+$108,687

OVERALL ROI

167%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$43,608)
• Excellent reno ROI (167%)
• Older build (1906) — high value-add potential
• Negative cashflow ($-2,225/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,225/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1770 NW 58th St #225 Single

Jacksonville, FL 98107 · 1bd/1.0ba · 725sf · Built 1967

$398,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $13,930

Loan Amount: $390,791

Fees / MIP: $6,721

Closing Costs: $11,940

Reserves (3mo): $8,210

Total Cash Needed: $34,080

Monthly Expenses

Mortgage P&I+MIP: $2,736.73

Property Tax: $646.75

Insurance: $150.00

HOA: $494.00

Maint + CapEx: $464.34

Vacancy + Mgmt: $217.99

Total: $4,709.80/mo

Returns

Market Rent (all units): $1,677

Your Rental Income: $1,677

Cashflow: $-3,033/mo

Annual: $-36,396/yr

Cash-on-Cash ROI: -106.8%

Cap Rate: -0.9% · DSCR: -0.11x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,033/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: $-2,219/mo (vs $-3,033/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,183/mo — saves $850/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-3,568/mo

STR vs LTR

-82%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-3,033/mo · STR: $-3,568/mo · CoC ROI: -128.5%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,676/mo

RANGE

$1,676 – $1,676

CONFIDENCE

LOW

N/A

Our estimate $1,676/mo ✅ Inline with market

No comparable rentals found in 98107

Purchase + Close$409,940

Reno Cost$72,304

Holding (6mo)$28,259

Total All-In$510,503

ARV$519,236

Selling Costs 8%$41,539

Flip Profit$-32,805

Flip ROI-33%

📍 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 ~59 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	$6,888	+$7,576	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

$72,304

VALUE ADDED

+$121,236

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$48,932)
• Excellent reno ROI (168%)
• Older build (1967) — high value-add potential
• Negative cashflow ($-3,033/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,033/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

2203 Yale Ave E Unit B1 Single

Jacksonville, FL 98102 · 1bd/1.0ba · 590sf · Built 1928

$415,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $14,525

Loan Amount: $407,483

Fees / MIP: $7,008

Closing Costs: $12,450

Reserves (3mo): $8,561

Total Cash Needed: $35,536

Monthly Expenses

Mortgage P&I+MIP: $2,853.62

Property Tax: $674.38

Insurance: $150.00

HOA: $438.00

Maint + CapEx: $484.16

Vacancy + Mgmt: $207.85

Total: $4,808.01/mo

Returns

Market Rent (all units): $1,599

Your Rental Income: $1,599

Cashflow: $-3,209/mo

Annual: $-38,510/yr

Cash-on-Cash ROI: -108.4%

Cap Rate: -1.0% · DSCR: -0.12x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,209/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: $-2,361/mo (vs $-3,209/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,323/mo — saves $886/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-3,656/mo

STR vs LTR

-81%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-3,209/mo · STR: $-3,656/mo · CoC ROI: -127.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,598/mo

RANGE

$1,598 – $1,598

CONFIDENCE

LOW

N/A

Our estimate $1,598/mo ✅ Inline with market

No comparable rentals found in 98102

Purchase + Close$427,450

Reno Cost$69,556

Holding (6mo)$28,848

Total All-In$525,855

ARV$531,464

Selling Costs 8%$42,517

Flip Profit$-36,908

Flip ROI-38%

📍 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 ~98 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	$5,605	+$6,166	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

$69,556

VALUE ADDED

+$116,464

OVERALL ROI

167%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$46,908)
• Excellent reno ROI (167%)
• Older build (1928) — high value-add potential
• Negative cashflow ($-3,209/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,209/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

5249 40th Ave NE #404 Single

Jacksonville, FL 98105 · 2bd/1.0ba · 950sf · Built 1966

$539,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $18,865

Loan Amount: $529,237

Fees / MIP: $9,102

Closing Costs: $16,170

Reserves (3mo): $11,119

Total Cash Needed: $46,154

Monthly Expenses

Mortgage P&I+MIP: $3,706.28

Property Tax: $875.88

Insurance: $150.00

HOA: $697.00

Maint + CapEx: $628.84

Vacancy + Mgmt: $281.87

Total: $6,339.86/mo

Returns

Market Rent (all units): $2,168

Your Rental Income: $2,168

Cashflow: $-4,172/mo

Annual: $-50,059/yr

Cash-on-Cash ROI: -108.5%

Cap Rate: -1.0% · DSCR: -0.13x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,172/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: $-3,069/mo (vs $-4,172/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,020/mo — saves $1,151/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,689/mo

STR vs LTR

-73%

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: $-4,172/mo · STR: $-4,689/mo · CoC ROI: -126.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,168/mo

RANGE

$2,168 – $2,168

CONFIDENCE

LOW

N/A

Our estimate $2,168/mo ✅ Inline with market

No comparable rentals found in 98105

Purchase + Close$555,170

Reno Cost$76,882

Holding (6mo)$38,039

Total All-In$670,092

ARV$668,190

Selling Costs 8%$53,455

Flip Profit$-55,357

Flip ROI-49%

📍 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 ~60 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	$9,025	+$9,928	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

$76,882

VALUE ADDED

+$129,190

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$52,308)
• Excellent reno ROI (168%)
• Older build (1966) — high value-add potential
• Negative cashflow ($-4,172/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,172/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1323 Boren Ave #206 Single

Jacksonville, FL 98101 · 1bd/1.0ba · 545sf · Built 2001

$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: $150.00

HOA: $517.00

Maint + CapEx: $344.16

Vacancy + Mgmt: $184.05

Total: $3,703.07/mo

Returns

Market Rent (all units): $1,416

Your Rental Income: $1,416

Cashflow: $-2,287/mo

Annual: $-27,448/yr

Cash-on-Cash ROI: -108.7%

Cap Rate: -1.1% · DSCR: -0.13x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,287/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: $-1,684/mo (vs $-2,287/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,657/mo — saves $630/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,715/mo

STR vs LTR

-78%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-2,287/mo · STR: $-2,715/mo · CoC ROI: -122.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,415/mo

RANGE

$1,415 – $1,415

CONFIDENCE

LOW

N/A

Our estimate $1,415/mo ✅ Inline with market

No comparable rentals found in 98101

Purchase + Close$303,850

Reno Cost$41,669

Holding (6mo)$22,218

Total All-In$367,737

ARV$375,047

Selling Costs 8%$30,004

Flip Profit$-22,694

Flip ROI-37%

📍 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 ~25 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	$1,499	+$4,496	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 ~25 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

$41,669

VALUE ADDED

+$80,047

OVERALL ROI

192%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$38,378)
• Excellent reno ROI (192%)
• Negative cashflow ($-2,287/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,287/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

4725 15th Ave NE #12 Single

Jacksonville, FL 98105 · 1bd/1.0ba · 739sf · Built 1923

$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: $150.00

HOA: $623.00

Maint + CapEx: $379.16

Vacancy + Mgmt: $207.46

Total: $4,122.51/mo

Returns

Market Rent (all units): $1,596

Your Rental Income: $1,596

Cashflow: $-2,527/mo

Annual: $-30,320/yr

Cash-on-Cash ROI: -109.0%

Cap Rate: -1.1% · DSCR: -0.13x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,527/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: $-1,862/mo (vs $-2,527/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,833/mo — saves $694/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-3,076/mo

STR vs LTR

-81%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-2,527/mo · STR: $-3,076/mo · CoC ROI: -129.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,595/mo

RANGE

$1,595 – $1,595

CONFIDENCE

LOW

N/A

Our estimate $1,595/mo ✅ Inline with market

No comparable rentals found in 98105

Purchase + Close$334,750

Reno Cost$72,589

Holding (6mo)$24,735

Total All-In$432,074

ARV$446,731

Selling Costs 8%$35,738

Flip Profit$-21,081

Flip ROI-22%

📍 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 ~103 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	$7,020	+$7,723	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

$72,589

VALUE ADDED

+$121,731

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$49,142)
• Excellent reno ROI (168%)
• Older build (1923) — high value-add potential
• Negative cashflow ($-2,527/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,527/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

5430 California Ave SW Unit 4A Single

Jacksonville, FL 98136 · 1bd/1.0ba · 642sf · Built 2001

$395,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $13,825

Loan Amount: $387,846

Fees / MIP: $6,671

Closing Costs: $11,850

Reserves (3mo): $8,148

Total Cash Needed: $33,823

Monthly Expenses

Mortgage P&I+MIP: $2,716.10

Property Tax: $641.88

Insurance: $150.00

HOA: $505.00

Maint + CapEx: $460.84

Vacancy + Mgmt: $209.57

Total: $4,683.38/mo

Returns

Market Rent (all units): $1,612

Your Rental Income: $1,612

Cashflow: $-3,071/mo

Annual: $-36,856/yr

Cash-on-Cash ROI: -109.0%

Cap Rate: -1.1% · DSCR: -0.13x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,071/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: $-2,264/mo (vs $-3,071/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,228/mo — saves $844/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-3,553/mo

STR vs LTR

-81%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-3,071/mo · STR: $-3,553/mo · CoC ROI: -128.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,612/mo

RANGE

$1,612 – $1,612

CONFIDENCE

LOW

N/A

Our estimate $1,612/mo ✅ Inline with market

No comparable rentals found in 98136

Purchase + Close$406,850

Reno Cost$42,518

Holding (6mo)$28,100

Total All-In$477,468

ARV$476,953

Selling Costs 8%$38,156

Flip Profit$-38,671

Flip ROI-57%

📍 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 ~25 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	$1,766	+$5,296	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 ~25 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

$42,518

VALUE ADDED

+$81,953

OVERALL ROI

193%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$39,435)
• Excellent reno ROI (193%)
• Negative cashflow ($-3,071/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,071/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

3045 20th Ave W #209 Single

Jacksonville, FL 98199 · 1bd/1.0ba · 584sf · Built 1988

$285,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,975

Loan Amount: $279,838

Fees / MIP: $4,813

Closing Costs: $8,550

Reserves (3mo): $5,879

Total Cash Needed: $24,404

Monthly Expenses

Mortgage P&I+MIP: $1,959.71

Property Tax: $463.12

Insurance: $150.00

HOA: $574.00

Maint + CapEx: $332.50

Vacancy + Mgmt: $186.16

Total: $3,665.49/mo

Returns

Market Rent (all units): $1,432

Your Rental Income: $1,432

Cashflow: $-2,234/mo

Annual: $-26,803/yr

Cash-on-Cash ROI: -109.8%

Cap Rate: -1.1% · DSCR: -0.14x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,234/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: $-1,651/mo (vs $-2,234/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,625/mo — saves $609/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,687/mo

STR vs LTR

-78%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-2,234/mo · STR: $-2,687/mo · CoC ROI: -124.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,431/mo

RANGE

$1,431 – $1,431

CONFIDENCE

LOW

N/A

Our estimate $1,431/mo ✅ Inline with market

No comparable rentals found in 98199

Purchase + Close$293,550

Reno Cost$51,486

Holding (6mo)$21,993

Total All-In$367,029

ARV$380,149

Selling Costs 8%$30,412

Flip Profit$-17,292

Flip ROI-25%

📍 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 ~38 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	$1,606	+$4,818	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
CRIT	GFCI Outlets (Kitchen/Bath)	$1,100	+$1,100	100%
📌 No additional notes available.

RENO COST

$51,486

VALUE ADDED

+$95,149

OVERALL ROI

185%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$43,663)
• Excellent reno ROI (185%)
• Aging property (1988) — renovation upside
• Negative cashflow ($-2,234/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,234/mo)
• Low barrier to entry ($24,404 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

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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1311 12th Ave S Unit D301 Single

Jacksonville, FL 98144 · 2bd/2.0ba · 1,140sf · Built 1985

$430,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,050

Loan Amount: $422,212

Fees / MIP: $7,262

Closing Costs: $12,900

Reserves (3mo): $8,870

Total Cash Needed: $36,820

Monthly Expenses

Mortgage P&I+MIP: $2,956.77

Property Tax: $698.75

Insurance: $152.00

HOA: $955.00

Maint + CapEx: $501.66

Vacancy + Mgmt: $282.31

Total: $5,546.50/mo

Returns

Market Rent (all units): $2,172

Your Rental Income: $2,172

Cashflow: $-3,375/mo

Annual: $-40,498/yr

Cash-on-Cash ROI: -110.0%

Cap Rate: -1.2% · DSCR: -0.14x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,375/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: $-2,496/mo (vs $-3,375/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,456/mo — saves $918/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,024/mo

STR vs LTR

-73%

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: $-3,375/mo · STR: $-4,024/mo · CoC ROI: -129.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,171/mo

RANGE

$2,171 – $2,171

CONFIDENCE

LOW

N/A

Our estimate $2,171/mo ✅ Inline with market

No comparable rentals found in 98144

Purchase + Close$442,900

Reno Cost$72,044

Holding (6mo)$33,279

Total All-In$548,223

ARV$558,506

Selling Costs 8%$44,680

Flip Profit$-34,397

Flip ROI-34%

📍 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 ~41 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	$3,135	+$9,405	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$72,044

VALUE ADDED

+$128,506

OVERALL ROI

178%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$56,462)
• Excellent reno ROI (178%)
• Older build (1985) — high value-add potential
• Negative cashflow ($-3,375/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,375/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

4222 Beach Dr SW #202 Single

Jacksonville, FL 98116 · 2bd/2.0ba · 970sf · Built 1985

$450,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,750

Loan Amount: $441,849

Fees / MIP: $7,599

Closing Costs: $13,500

Reserves (3mo): $9,283

Total Cash Needed: $38,533

Monthly Expenses

Mortgage P&I+MIP: $3,094.29

Property Tax: $731.25

Insurance: $150.00

HOA: $845.00

Maint + CapEx: $525.00

Vacancy + Mgmt: $269.32

Total: $5,614.86/mo

Returns

Market Rent (all units): $2,072

Your Rental Income: $2,072

Cashflow: $-3,543/mo

Annual: $-42,518/yr

Cash-on-Cash ROI: -110.3%

Cap Rate: -1.2% · DSCR: -0.15x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,543/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: $-2,623/mo (vs $-3,543/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,582/mo — saves $961/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,081/mo

STR vs LTR

-72%

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: $-3,543/mo · STR: $-4,081/mo · CoC ROI: -126.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,071/mo

RANGE

$2,071 – $2,071

CONFIDENCE

LOW

N/A

Our estimate $2,071/mo ✅ Inline with market

No comparable rentals found in 98116

Purchase + Close$463,500

Reno Cost$70,200

Holding (6mo)$33,689

Total All-In$567,389

ARV$574,273

Selling Costs 8%$45,942

Flip Profit$-39,058

Flip ROI-39%

📍 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 ~41 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	$2,668	+$8,002	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$70,200

VALUE ADDED

+$124,273

OVERALL ROI

177%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$54,074)
• Excellent reno ROI (177%)
• Older build (1985) — high value-add potential
• Negative cashflow ($-3,543/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,543/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

519 W Roy St #413 Single

Jacksonville, FL 98119 · 1bd/1.0ba · 531sf · Built 1930

$299,997
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $10,500

Loan Amount: $294,563

Fees / MIP: $5,066

Closing Costs: $9,000

Reserves (3mo): $6,189

Total Cash Needed: $25,688

Monthly Expenses

Mortgage P&I+MIP: $2,062.84

Property Tax: $487.50

Insurance: $150.00

HOA: $546.00

Maint + CapEx: $350.00

Vacancy + Mgmt: $183.53

Total: $3,779.86/mo

Returns

Market Rent (all units): $1,412

Your Rental Income: $1,412

Cashflow: $-2,368/mo

Annual: $-28,418/yr

Cash-on-Cash ROI: -110.6%

Cap Rate: -1.2% · DSCR: -0.15x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,368/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 $-2,368/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,727/mo — saves $641/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,787/mo

STR vs LTR

-78%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-2,368/mo · STR: $-2,787/mo · CoC ROI: -124.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,411/mo

RANGE

$1,411 – $1,411

CONFIDENCE

LOW

N/A

Our estimate $1,411/mo ✅ Inline with market

No comparable rentals found in 98119

Purchase + Close$308,997

Reno Cost$68,356

Holding (6mo)$22,679

Total All-In$400,032

ARV$414,375

Selling Costs 8%$33,150

Flip Profit$-18,807

Flip ROI-21%

📍 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 ~96 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	$5,044	+$5,549	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

$68,356

VALUE ADDED

+$114,378

OVERALL ROI

167%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$46,022)
• Excellent reno ROI (167%)
• Older build (1930) — high value-add potential
• Negative cashflow ($-2,368/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,368/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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

5440 Leary Ave NW #526 Single

Jacksonville, FL 98107 · 1bd/1.0ba · 813sf · Built 2007

$480,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $16,800

Loan Amount: $471,306

Fees / MIP: $8,106

Closing Costs: $14,400

Reserves (3mo): $9,902

Total Cash Needed: $41,102

Monthly Expenses

Mortgage P&I+MIP: $3,300.58

Property Tax: $780.00

Insurance: $150.00

HOA: $612.00

Maint + CapEx: $560.00

Vacancy + Mgmt: $239.72

Total: $5,642.30/mo

Returns

Market Rent (all units): $1,844

Your Rental Income: $1,844

Cashflow: $-3,798/mo

Annual: $-45,579/yr

Cash-on-Cash ROI: -110.9%

Cap Rate: -1.2% · DSCR: -0.15x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,798/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: $-2,817/mo (vs $-3,798/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,773/mo — saves $1,025/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-4,383/mo

STR vs LTR

-83%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-3,798/mo · STR: $-4,383/mo · CoC ROI: -136.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,844/mo

RANGE

$1,844 – $1,844

CONFIDENCE

LOW

N/A

Our estimate $1,844/mo ✅ Inline with market

No comparable rentals found in 98107

Purchase + Close$494,400

Reno Cost$44,014

Holding (6mo)$33,854

Total All-In$572,268

ARV$565,313

Selling Costs 8%$45,225

Flip Profit$-52,180

Flip ROI-69%

📍 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 ~19 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	$2,236	+$6,707	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 ~19 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

$44,014

VALUE ADDED

+$85,313

OVERALL ROI

194%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$41,299)
• Excellent reno ROI (194%)
• Negative cashflow ($-3,798/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,798/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

524 6th Ave W #210 Single

Jacksonville, FL 98119 · 2bd/2.0ba · 920sf · Built 1997

$539,950
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $18,898

Loan Amount: $530,170

Fees / MIP: $9,118

Closing Costs: $16,198

Reserves (3mo): $11,138

Total Cash Needed: $46,235

Monthly Expenses

Mortgage P&I+MIP: $3,712.81

Property Tax: $877.42

Insurance: $150.00

HOA: $773.00

Maint + CapEx: $629.94

Vacancy + Mgmt: $279.16

Total: $6,422.33/mo

Returns

Market Rent (all units): $2,147

Your Rental Income: $2,147

Cashflow: $-4,275/mo

Annual: $-51,299/yr

Cash-on-Cash ROI: -111.0%

Cap Rate: -1.2% · DSCR: -0.15x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,275/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: $-3,171/mo (vs $-4,275/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,122/mo — saves $1,153/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,774/mo

STR vs LTR

-72%

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: $-4,275/mo · STR: $-4,774/mo · CoC ROI: -128.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,147/mo

RANGE

$2,147 – $2,147

CONFIDENCE

LOW

N/A

Our estimate $2,147/mo ✅ Inline with market

No comparable rentals found in 98119

Purchase + Close$556,148

Reno Cost$49,925

Holding (6mo)$38,534

Total All-In$644,607

ARV$636,428

Selling Costs 8%$50,914

Flip Profit$-59,094

Flip ROI-70%

📍 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 ~29 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	$2,530	+$7,590	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 ~29 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

$49,925

VALUE ADDED

+$96,478

OVERALL ROI

193%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$46,553)
• Excellent reno ROI (193%)
• Aging property (1997) — renovation upside
• Negative cashflow ($-4,275/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,275/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1729 18th Ave #201 Single

Jacksonville, FL 98122 · 2bd/2.0ba · 903sf · Built 1981

$597,500
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $20,912

Loan Amount: $586,678

Fees / MIP: $10,090

Closing Costs: $17,925

Reserves (3mo): $12,326

Total Cash Needed: $51,163

Monthly Expenses

Mortgage P&I+MIP: $4,108.53

Property Tax: $970.94

Insurance: $150.00

HOA: $726.00

Maint + CapEx: $697.09

Vacancy + Mgmt: $286.89

Total: $6,939.44/mo

Returns

Market Rent (all units): $2,207

Your Rental Income: $2,207

Cashflow: $-4,733/mo

Annual: $-56,791/yr

Cash-on-Cash ROI: -111.0%

Cap Rate: -1.2% · DSCR: -0.15x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,733/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: $-3,511/mo (vs $-4,733/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,457/mo — saves $1,276/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-5,216/mo

STR vs LTR

-73%

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: $-4,733/mo · STR: $-5,216/mo · CoC ROI: -129.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,206/mo

RANGE

$2,206 – $2,206

CONFIDENCE

LOW

N/A

Our estimate $2,206/mo ✅ Inline with market

No comparable rentals found in 98122

Purchase + Close$615,425

Reno Cost$69,473

Holding (6mo)$41,637

Total All-In$726,534

ARV$720,105

Selling Costs 8%$57,608

Flip Profit$-64,038

Flip ROI-59%

📍 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 ~45 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	$2,483	+$7,450	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$69,473

VALUE ADDED

+$122,605

OVERALL ROI

176%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$53,132)
• Excellent reno ROI (176%)
• Older build (1981) — high value-add potential
• Negative cashflow ($-4,733/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,733/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

425 Vine St #421 Single

Jacksonville, FL 98121 · 1bd/1.0ba · 349sf · Built 1998

$250,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $8,750

Loan Amount: $245,472

Fees / MIP: $4,222

Closing Costs: $7,500

Reserves (3mo): $5,157

Total Cash Needed: $21,407

Monthly Expenses

Mortgage P&I+MIP: $1,719.05

Property Tax: $406.25

Insurance: $150.00

HOA: $504.00

Maint + CapEx: $291.66

Vacancy + Mgmt: $158.01

Total: $3,228.98/mo

Returns

Market Rent (all units): $1,215

Your Rental Income: $1,215

Cashflow: $-2,014/mo

Annual: $-24,162/yr

Cash-on-Cash ROI: -112.9%

Cap Rate: -1.4% · DSCR: -0.17x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,014/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: $-1,502/mo (vs $-2,014/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,480/mo — saves $534/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,320/mo

STR vs LTR

-74%

BREAKEVEN OCC

100%

STR EXPENSES BREAKDOWN

Platform fees: $65
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

🛡

LTR is safer bet

LTR: $-2,014/mo · STR: $-2,320/mo · CoC ROI: -117.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,215/mo

RANGE

$1,215 – $1,215

CONFIDENCE

LOW

N/A

Our estimate $1,215/mo ✅ Inline with market

No comparable rentals found in 98121

Purchase + Close$257,500

Reno Cost$39,954

Holding (6mo)$19,374

Total All-In$316,828

ARV$326,195

Selling Costs 8%$26,096

Flip Profit$-16,728

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 ~28 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	$960	+$2,879	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 ~28 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

$39,954

VALUE ADDED

+$76,195

OVERALL ROI

191%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$36,242)
• Excellent reno ROI (191%)
• Aging property (1998) — renovation upside
• Negative cashflow ($-2,014/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,014/mo)
• Low barrier to entry ($21,407 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

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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

1111 10th Ave E #20 Single

Jacksonville, FL 98102 · 2bd/2.0ba · 993sf · Built 1986

$595,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $20,825

Loan Amount: $584,223

Fees / MIP: $10,048

Closing Costs: $17,850

Reserves (3mo): $12,274

Total Cash Needed: $50,949

Monthly Expenses

Mortgage P&I+MIP: $4,091.34

Property Tax: $966.88

Insurance: $150.00

HOA: $872.00

Maint + CapEx: $694.16

Vacancy + Mgmt: $295.08

Total: $7,069.46/mo

Returns

Market Rent (all units): $2,270

Your Rental Income: $2,270

Cashflow: $-4,800/mo

Annual: $-57,595/yr

Cash-on-Cash ROI: -113.0%

Cap Rate: -1.4% · DSCR: -0.17x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,800/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: $-3,583/mo (vs $-4,800/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,529/mo — saves $1,271/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-5,341/mo

STR vs LTR

-74%

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: $-4,800/mo · STR: $-5,341/mo · CoC ROI: -133.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,269/mo

RANGE

$2,269 – $2,269

CONFIDENCE

LOW

N/A

Our estimate $2,269/mo ✅ Inline with market

No comparable rentals found in 98102

Purchase + Close$612,850

Reno Cost$61,449

Holding (6mo)$42,417

Total All-In$716,716

ARV$709,946

Selling Costs 8%$56,796

Flip Profit$-63,566

Flip ROI-63%

📍 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	$2,731	+$8,192	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

$61,449

VALUE ADDED

+$114,946

OVERALL ROI

187%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$53,497)
• Excellent reno ROI (187%)
• Aging property (1986) — renovation upside
• Negative cashflow ($-4,800/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,800/mo)
• Has flip exit strategy if hold doesn't work

🛡 NEIGHBORHOOD SAFETY

5/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

18/100

❌ 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 Found 🔍 Search Property Records →

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

SpillFeed · live

View all →

Jennifer L.7h ago

📊 ran AI analysis on

5441 Hansel Ave Unit J15

🔥 5441 Hansel Ave Unit J15 in Cape Coral — 2.0% cap rate, Grade F

Diego S.7h ago

💾 saved a deal

501 E Sparkman Ave

💾 saved 501 E Sparkman Ave — $-3,594/mo cash flow F grade

Rachel B.6h ago

📊 ran AI analysis on

14623 SW 125th Pl

📊 New deal: 14623 SW 125th Pl — Grade F, $600,000

Miguel A.6h ago

👀 viewed a deal in

17 Kepner St

👀 12 investors viewed 17 Kepner St this week

Sarah K.5h ago

📊 ran AI analysis on

3355 Mandarin Glen Dr

🔥 3355 Mandarin Glen Dr in Jacksonville — 4.7% cap rate, Grade F

Marcus J.5h ago

💾 saved a deal

877 Jackson Rd

💾 saved 877 Jackson Rd — $-726/mo cash flow F grade

Isabella V.5h ago

📊 ran AI analysis on

3636 Hartsfield Forest Cir

📊 New deal: 3636 Hartsfield Forest Cir — Grade F, $150,000

James H.4h ago

👀 viewed a deal in

541 Linwood Ave

👀 12 investors viewed 541 Linwood Ave this week

Sofia R.4h ago

📊 ran AI analysis on

5418 Chenault Ave

🔥 5418 Chenault Ave in Cape Coral — 2.4% cap rate, Grade F

Carlos M.4h ago

💾 saved a deal

1954 Hubbard St

💾 saved 1954 Hubbard St — $-1,172/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

3636 Hartsfield Forest Cir Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

8149 Justin Rd S 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

877 Jackson Rd Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

3355 Mandarin Glen Dr Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

1954 Hubbard St Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

12675 Green Meadow Dr Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

8638 Deermoss Way W Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

12290 Hagan Creek Dr W Single

Monthly Expenses

Returns

🏠 RENTAL COMPS