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”

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

60 F

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

⚡ Go Pro

Grade

Cash+ only

$279,000💡 🏦 DSCR 25%dn: $-185/mo

$279,000

8329 Osteen St, Jacksonville

4bd2ba Single1,739sf $160/sf Built 2026

Cashflow

$-564/mo

CoC ROI

-28.3%

Rent Est

$2,719/mo

HUD FMR · GRM 8.6

Cap Rate

5.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-288/mo🏦 DSCR 25%dn: $-185/mo

🏠 Listing

$239,990💡 🏦 DSCR 25%dn: $-322/mo

$239,990

10723 Waterfield Rd, Jacksonville

3bd2ba Single1,429sf $168/sf Built 2026

Cashflow

$-651/mo

CoC ROI

-38.0%

Rent Est

$2,296/mo

HUD FMR · GRM 8.7

Cap Rate

5.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-411/mo🏦 DSCR 25%dn: $-322/mo

🏠 Listing

$259,990💡 🏦 DSCR 25%dn: $-301/mo

$259,990

9822 Harper Village Cir, Jacksonville

3bd2ba Single1,580sf $165/sf Built 2026

Cashflow

$-663/mo

CoC ROI

-35.7%

Rent Est

$2,421/mo

HUD FMR · GRM 8.9

Cap Rate

5.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-397/mo🏦 DSCR 25%dn: $-301/mo

🏠 Listing

$204,990💡 🏦 DSCR 25%dn: $-384/mo

$204,990

7228 Sabal Ter, Jacksonville

2bd2ba Single1,180sf $174/sf Built 2026

Cashflow

$-676/mo

CoC ROI

-46.2%

Rent Est

$1,837/mo

HUD FMR · GRM 9.3

Cap Rate

4.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-460/mo🏦 DSCR 25%dn: $-384/mo

🏠 Listing

$254,990💡 🏦 DSCR 25%dn: $-443/mo

$254,990

190 Brazil Nut Cir, Jacksonville

3bd2ba Single1,429sf $178/sf Built 2026

Cashflow

$-803/mo

CoC ROI

-44.1%

Rent Est

$2,314/mo

HUD FMR · GRM 9.2

Cap Rate

4.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-537/mo🏦 DSCR 25%dn: $-443/mo

🏠 Listing

$159,900💡 🏦 DSCR 25%dn: $-590/mo

$159,900

7749 Las Palmas Way #138, Jacksonville

2bd2ba Single1,276sf $125/sf Built 1973

Cashflow

$-808/mo

CoC ROI

-70.8%

Rent Est

$1,551/mo

HUD FMR · GRM 8.6

Cap Rate

2.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-649/mo🏦 DSCR 25%dn: $-590/mo

🏠 Listing

$259,990💡 🏦 DSCR 25%dn: $-453/mo

$259,990

10721 Waterfield Rd, Jacksonville

3bd2ba Single1,429sf $182/sf Built 2026

Cashflow

$-823/mo

CoC ROI

-44.4%

Rent Est

$2,321/mo

HUD FMR · GRM 9.3

Cap Rate

4.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-549/mo🏦 DSCR 25%dn: $-453/mo

🏠 Listing

$195,000💡 🏦 DSCR 25%dn: $-647/mo

$195,000

10430 Bigtree Cir E, Jacksonville

2bd2ba Single999sf $195/sf Built 1983

Cashflow

$-927/mo

CoC ROI

-66.7%

Rent Est

$1,704/mo

HUD FMR · GRM 9.5

Cap Rate

2.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-719/mo🏦 DSCR 25%dn: $-647/mo

🏠 Listing

$321,850💡 🏦 DSCR 25%dn: $-507/mo

$321,850

12271 Copper Mallard Rd, Jacksonville

5bd2ba Single1,657sf $194/sf Built 2026

Cashflow

$-977/mo

CoC ROI

-42.5%

Rent Est

$2,718/mo

HUD FMR · GRM 9.9

Cap Rate

4.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-626/mo🏦 DSCR 25%dn: $-507/mo

🏠 Listing

$249,000💡 🏦 DSCR 25%dn: $-628/mo

$249,000

10543 Autumn Trace Rd, Jacksonville

3bd2ba Single1,707sf $146/sf Built 2007

Cashflow

$-991/mo

CoC ROI

-55.8%

Rent Est

$2,110/mo

HUD FMR · GRM 9.8

Cap Rate

3.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-720/mo🏦 DSCR 25%dn: $-628/mo

🏠 Listing

$276,990💡 🏦 DSCR 25%dn: $-587/mo

$276,990

182 Brazil Nut Cir, Jacksonville

3bd2ba Single1,429sf $194/sf Built 2026

Cashflow

$-992/mo

CoC ROI

-50.2%

Rent Est

$2,342/mo

HUD FMR · GRM 9.9

Cap Rate

4.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-690/mo🏦 DSCR 25%dn: $-587/mo

🏠 Listing

$245,990💡 🏦 DSCR 25%dn: $-663/mo

$245,990

198 Brazil Nut Cir, Jacksonville

2bd2ba Single1,220sf $202/sf Built 2026

Cashflow

$-1,036/mo

CoC ROI

-59.0%

Rent Est

$1,915/mo

HUD FMR · GRM 10.7

Cap Rate

3.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-754/mo🏦 DSCR 25%dn: $-663/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

$391,850💡 🏦 DSCR 25%dn: $-635/mo

$391,850

12240 Copper Mallard Pl, Jacksonville

5bd3ba Single2,499sf $157/sf Built 2026

Cashflow

$-1,203/mo

CoC ROI

-43.0%

Rent Est

$3,365/mo

HUD FMR · GRM 9.7

Cap Rate

4.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-780/mo🏦 DSCR 25%dn: $-635/mo

🏠 Listing

$424,990💡 🏦 DSCR 25%dn: $-911/mo

$424,990

12692 Fabius Way, Jacksonville

4bd3ba Single2,486sf $171/sf Built 2026

Cashflow

$-1,547/mo

CoC ROI

-51.0%

Rent Est

$3,398/mo

HUD FMR · GRM 10.4

Cap Rate

3.9%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,068/mo🏦 DSCR 25%dn: $-911/mo

🏠 Listing

$426,329💡 🏦 DSCR 25%dn: $-906/mo

$426,329

6782 Dutton Spur Ln, Jacksonville

4bd3ba Single2,380sf $179/sf Built 2026

Cashflow

$-1,551/mo

CoC ROI

-51.0%

Rent Est

$3,329/mo

HUD FMR · GRM 10.7

Cap Rate

3.9%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,064/mo🏦 DSCR 25%dn: $-906/mo

🏠 Listing

$439,990💡 🏦 DSCR 25%dn: $-1,009/mo

$439,990

12740 Fabius Way, Jacksonville

4bd3ba Single2,486sf $177/sf Built 2026

Cashflow

$-1,676/mo

CoC ROI

-53.4%

Rent Est

$3,417/mo

HUD FMR · GRM 10.7

Cap Rate

3.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,172/mo🏦 DSCR 25%dn: $-1,009/mo

🏠 Listing

$374,900💡 🏦 DSCR 25%dn: $-1,134/mo

$374,900

1641 Charon Rd, Jacksonville

3bd1ba Single1,259sf $298/sf Built 1942

Cashflow

$-1,747/mo

CoC ROI

-65.3%

Rent Est

$2,351/mo

HUD FMR · GRM 13.3

Cap Rate

2.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,272/mo🏦 DSCR 25%dn: $-1,134/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

$399,900💡 🏦 DSCR 25%dn: $-1,379/mo

$399,900

115 W 4th St, Jacksonville

4bd4ba Single3,498sf $114/sf Built 1904

Cashflow

$-2,021/mo

CoC ROI

-70.8%

Rent Est

$2,657/mo

HUD FMR · GRM 12.5

Cap Rate

2.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,527/mo🏦 DSCR 25%dn: $-1,379/mo

🏠 Listing

$293,000💡 🏦 DSCR 25%dn: $-1,904/mo

$293,000

1136 13th Ave #305, Jacksonville

1bd1ba Single660sf $444/sf Built 1924

Cashflow

$-2,411/mo

CoC ROI

-115.3%

Rent Est

$1,498/mo

HUD FMR · GRM 16.3

Cap Rate

-1.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,012/mo🏦 DSCR 25%dn: $-1,904/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

$375,000💡 🏦 DSCR 25%dn: $-1,841/mo

$375,000

1900 Westlake Ave N Unit B7, Jacksonville

1bd1ba Single480sf $781/sf Built 1992

Cashflow

$-2,528/mo

CoC ROI

-94.5%

Rent Est

$1,434/mo

HUD FMR · GRM 21.8

Cap Rate

0.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-1,979/mo🏦 DSCR 25%dn: $-1,841/mo

🏠 Listing

$325,000💡 🏦 DSCR 25%dn: $-2,040/mo

$325,000

1414 12th Ave #205, Jacksonville

1bd1ba Single653sf $498/sf Built 2007

Cashflow

$-2,612/mo

CoC ROI

-112.6%

Rent Est

$1,533/mo

HUD FMR · GRM 17.7

Cap Rate

-1.4%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,160/mo🏦 DSCR 25%dn: $-2,040/mo

🏠 Listing

$500,000💡 🏦 DSCR 25%dn: $-2,050/mo

$500,000

12805 64th Ave S, Jacksonville

3bd2ba Single1,040sf $481/sf Built 1955

Cashflow

$-2,929/mo

CoC ROI

-82.1%

Rent Est

$2,362/mo

HUD FMR · GRM 17.6

Cap Rate

1.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,234/mo🏦 DSCR 25%dn: $-2,050/mo

🏠 Listing

$398,000💡 🏦 DSCR 25%dn: $-2,216/mo

$398,000

2960 Eastlake Ave E #213, Jacksonville

1bd1ba Single718sf $554/sf Built 2008

Cashflow

$-2,932/mo

CoC ROI

-103.2%

Rent Est

$1,672/mo

HUD FMR · GRM 19.8

Cap Rate

-0.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,363/mo🏦 DSCR 25%dn: $-2,216/mo

🏠 Listing

$549,950💡 🏦 DSCR 25%dn: $-2,005/mo

$549,950

11419 Crestwood Dr S, Jacksonville

4bd1ba Single1,620sf $339/sf Built 1945

Cashflow

$-2,942/mo

CoC ROI

-75.0%

Rent Est

$2,978/mo

HUD FMR · GRM 15.4

Cap Rate

1.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,208/mo🏦 DSCR 25%dn: $-2,005/mo

🏠 Listing

$449,900💡 🏦 DSCR 25%dn: $-2,175/mo

$449,900

9223 B Densmore Ave N, Jacksonville

2bd1ba Single685sf $657/sf Built 2026

Cashflow

$-2,991/mo

CoC ROI

-93.2%

Rent Est

$1,814/mo

HUD FMR · GRM 20.7

Cap Rate

0.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,341/mo🏦 DSCR 25%dn: $-2,175/mo

🏠 Listing

$599,999💡 🏦 DSCR 25%dn: $-2,047/mo

$599,999

12424 Tierra Chase Way, Jacksonville

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

Cashflow

$-3,030/mo

CoC ROI

-70.8%

Rent Est

$3,736/mo

HUD FMR · GRM 13.4

Cap Rate

2.2%

💡 OPPORTUNITY — alternative strategies

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

🏠 Listing

$370,000💡 🏦 DSCR 25%dn: $-2,402/mo

$370,000

2911 2nd Ave #811, Jacksonville

1bd1ba Single603sf $614/sf Built 2009

Cashflow

$-3,069/mo

CoC ROI

-116.2%

Rent Est

$1,552/mo

HUD FMR · GRM 19.9

Cap Rate

-1.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,539/mo🏦 DSCR 25%dn: $-2,402/mo

🏠 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

$439,000💡 🏦 DSCR 25%dn: $-2,529/mo

$439,000

4545 Sand Point Way NE #302, Jacksonville

2bd1ba Single1,191sf $369/sf Built 1968

Cashflow

$-3,289/mo

CoC ROI

-105.0%

Rent Est

$2,220/mo

HUD FMR · GRM 16.5

Cap Rate

-0.7%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,691/mo🏦 DSCR 25%dn: $-2,529/mo

🏠 Listing

$499,900💡 🏦 DSCR 25%dn: $-2,403/mo

$499,900

5720 37th Ave S, Jacksonville

2bd1ba Single740sf $676/sf Built 1952

Cashflow

$-3,318/mo

CoC ROI

-93.0%

Rent Est

$1,913/mo

HUD FMR · GRM 21.8

Cap Rate

0.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,588/mo🏦 DSCR 25%dn: $-2,403/mo

🏠 Listing

$585,000💡 🏦 DSCR 25%dn: $-2,434/mo

$585,000

12715 35th Ave NE Unit A, Jacksonville

3bd2ba Single1,450sf $403/sf Built 1996

Cashflow

$-3,464/mo

CoC ROI

-83.0%

Rent Est

$2,741/mo

HUD FMR · GRM 17.8

Cap Rate

1.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,650/mo🏦 DSCR 25%dn: $-2,434/mo

🏠 Listing

$499,000💡 🏦 DSCR 25%dn: $-2,608/mo

$499,000

6920 California Ave SW #11, Jacksonville

2bd2ba Single1,382sf $361/sf Built 1987

Cashflow

$-3,479/mo

CoC ROI

-97.7%

Rent Est

$2,436/mo

HUD FMR · GRM 17.1

Cap Rate

-0.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,792/mo🏦 DSCR 25%dn: $-2,608/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: $-2,785/mo

$425,000

521 5th Ave W #306, Jacksonville

1bd1ba Single888sf $479/sf Built 1963

Cashflow

$-3,546/mo

CoC ROI

-116.9%

Rent Est

$1,830/mo

HUD FMR · GRM 19.3

Cap Rate

-1.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,942/mo🏦 DSCR 25%dn: $-2,785/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

$550,000💡 🏦 DSCR 25%dn: $-2,587/mo

$550,000

4004 Courtland Pl S, Jacksonville

2bd2ba Single1,000sf $550/sf Built 2026

Cashflow

$-3,585/mo

CoC ROI

-91.3%

Rent Est

$2,219/mo

HUD FMR · GRM 20.7

Cap Rate

0.4%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,791/mo🏦 DSCR 25%dn: $-2,587/mo

🏠 Listing

$599,000💡 🏦 DSCR 25%dn: $-2,653/mo

$599,000

12512 35th Ave NE Unit B, Jacksonville

3bd2ba Single1,317sf $455/sf Built 2025

Cashflow

$-3,719/mo

CoC ROI

-87.0%

Rent Est

$2,670/mo

HUD FMR · GRM 18.7

Cap Rate

0.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,874/mo🏦 DSCR 25%dn: $-2,653/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

$685,000💡 🏦 DSCR 25%dn: $-2,732/mo

$685,000

11747 64th Ln S, Jacksonville

5bd4ba Single2,020sf $339/sf Built 2012

Cashflow

$-3,801/mo

CoC ROI

-60.6%

Rent Est

$3,413/mo

HUD FMR · GRM 16.7

Cap Rate

1.4%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-2,985/mo🏦 DSCR 25%dn: $-2,732/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

$499,950💡 🏦 DSCR 25%dn: $-2,948/mo

$499,950

4528 8th Ave NE Unit 3C, Jacksonville

2bd2ba Single1,026sf $487/sf Built 1996

Cashflow

$-3,842/mo

CoC ROI

-107.7%

Rent Est

$2,175/mo

HUD FMR · GRM 19.2

Cap Rate

-1.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,132/mo🏦 DSCR 25%dn: $-2,948/mo

🏠 Listing

$675,000💡 🏦 DSCR 25%dn: $-2,779/mo

$675,000

10035 17th Ave SW, Jacksonville

5bd2ba Single1,620sf $417/sf Built 1925

Cashflow

$-3,913/mo

CoC ROI

-72.2%

Rent Est

$3,191/mo

HUD FMR · GRM 17.6

Cap Rate

1.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,028/mo🏦 DSCR 25%dn: $-2,779/mo

🏠 Listing

$615,000💡 🏦 DSCR 25%dn: $-2,834/mo

$615,000

1207 SW cambridge St, Jacksonville

3bd1ba Single980sf $628/sf Built 1922

Cashflow

$-3,950/mo

CoC ROI

-90.0%

Rent Est

$2,466/mo

HUD FMR · GRM 20.8

Cap Rate

0.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,061/mo🏦 DSCR 25%dn: $-2,834/mo

🏠 Listing

$688,000💡 🏦 DSCR 25%dn: $-2,884/mo

$688,000

936 N 101st St, Jacksonville

3bd3ba Single2,020sf $341/sf Built 1977

Cashflow

$-3,952/mo

CoC ROI

-60.5%

Rent Est

$3,249/mo

HUD FMR · GRM 17.6

Cap Rate

1.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,139/mo🏦 DSCR 25%dn: $-2,884/mo

🏠 Listing

$599,000💡 🏦 DSCR 25%dn: $-2,883/mo

$599,000

7912 34th Ave SW Unit B, Jacksonville

2bd2ba Single1,091sf $549/sf Built 2026

Cashflow

$-3,981/mo

CoC ROI

-93.1%

Rent Est

$2,271/mo

HUD FMR · GRM 22.0

Cap Rate

0.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,104/mo🏦 DSCR 25%dn: $-2,883/mo

🏠 Listing

$645,000💡 🏦 DSCR 25%dn: $-2,834/mo

$645,000

9236 Interlake Ave N Unit B, Jacksonville

3bd4ba Single1,430sf $451/sf Built 2003

Cashflow

$-3,988/mo

CoC ROI

-86.7%

Rent Est

$2,803/mo

HUD FMR · GRM 19.2

Cap Rate

0.8%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,073/mo🏦 DSCR 25%dn: $-2,834/mo

🏠 Listing

$624,950💡 🏦 DSCR 25%dn: $-2,877/mo

$624,950

3807 Martin Luther King Jr Way S Unit B, Jacksonville

2bd2ba Single1,488sf $420/sf Built 2016

Cashflow

$-4,007/mo

CoC ROI

-89.9%

Rent Est

$2,567/mo

HUD FMR · GRM 20.3

Cap Rate

0.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,108/mo🏦 DSCR 25%dn: $-2,877/mo

🏠 Listing

$617,000💡 🏦 DSCR 25%dn: $-2,958/mo

$617,000

2363 S McClellan St, Jacksonville

2bd2ba Single1,480sf $417/sf Built 2007

Cashflow

$-4,072/mo

CoC ROI

-92.5%

Rent Est

$2,552/mo

HUD FMR · GRM 20.1

Cap Rate

0.3%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,186/mo🏦 DSCR 25%dn: $-2,958/mo

🏠 Listing

$649,000💡 🏦 DSCR 25%dn: $-2,968/mo

$649,000

3918 S Juneau St, Jacksonville

3bd2ba Single1,122sf $578/sf Built 2026

Cashflow

$-4,140/mo

CoC ROI

-89.4%

Rent Est

$2,681/mo

HUD FMR · GRM 20.2

Cap Rate

0.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,207/mo🏦 DSCR 25%dn: $-2,968/mo

🏠 Listing

$599,000💡 🏦 DSCR 25%dn: $-3,036/mo

$599,000

7915 18th Ave SW, Jacksonville

2bd1ba Single770sf $778/sf Built 1948

Cashflow

$-4,151/mo

CoC ROI

-97.1%

Rent Est

$2,057/mo

HUD FMR · GRM 24.3

Cap Rate

-0.1%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,258/mo🏦 DSCR 25%dn: $-3,036/mo

🏠 Listing

$485,000💡 🏦 DSCR 25%dn: $-3,264/mo

$485,000

2801 1st Ave #618, Jacksonville

1bd1ba Single702sf $691/sf Built 2001

Cashflow

$-4,159/mo

CoC ROI

-120.2%

Rent Est

$1,769/mo

HUD FMR · GRM 22.9

Cap Rate

-2.0%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,444/mo🏦 DSCR 25%dn: $-3,264/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

$699,000💡 🏦 DSCR 25%dn: $-3,193/mo

$699,000

916 N 73rd St Unit A, Jacksonville

3bd2ba Single1,416sf $494/sf Built 2008

Cashflow

$-4,240/mo

CoC ROI

-56.7%

Rent Est

$2,861/mo

HUD FMR · GRM 20.4

Cap Rate

0.6%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,452/mo🏦 DSCR 25%dn: $-3,193/mo

🏠 Listing

$675,000💡 🏦 DSCR 25%dn: $-3,153/mo

$675,000

1407 N 103rd St, Jacksonville

3bd2ba Single1,130sf $597/sf Built 2023

Cashflow

$-4,332/mo

CoC ROI

-80.0%

Rent Est

$2,641/mo

HUD FMR · GRM 21.3

Cap Rate

0.5%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,403/mo🏦 DSCR 25%dn: $-3,153/mo

🏠 Listing

$624,950💡 🏦 DSCR 25%dn: $-3,248/mo

$624,950

7546 26th Ave NW Unit B, Jacksonville

2bd2ba Single840sf $744/sf Built 2023

Cashflow

$-4,407/mo

CoC ROI

-98.8%

Rent Est

$2,195/mo

HUD FMR · GRM 23.7

Cap Rate

-0.2%

💡 OPPORTUNITY — alternative strategies

🤝 Seller Finance: $-3,479/mo🏦 DSCR 25%dn: $-3,248/mo

🏠 Listing

#	Grade	Type	Property	Price	Rent	Cash In	CF/mo	ROI	Your Cost	Flip Equity
1	F	Single	8329 Osteen St Jacksonville · 4bd/2.0ba · 1,739sf · 2026	$279,000	$2,719	$23,890	$-564	-28.3%	$2,836/mo	$12,714
2	F	Single	9822 Harper Village Cir Jacksonville · 3bd/2.5ba · 1,580sf · 2026	$259,990	$2,421	$22,263	$-663	-35.7%	$2,683/mo	$11,840
3	F	Single	10723 Waterfield Rd Jacksonville · 3bd/2.5ba · 1,429sf · 2026	$239,990	$2,296	$20,550	$-651	-38.0%	$2,569/mo	$11,010
4	F	Single	12271 Copper Mallard Rd Jacksonville · 5bd/2.0ba · 1,657sf · 2026	$321,850	$2,718	$27,560	$-977	-42.5%	$3,234/mo	$12,264
5	F	Single	12240 Copper Mallard Pl Jacksonville · 5bd/3.0ba · 2,499sf · 2026	$391,850	$3,365	$33,554	$-1,203	-43.0%	$4,000/mo	$16,894
6	F	Single	190 Brazil Nut Cir Jacksonville · 3bd/2.5ba · 1,429sf · 2026	$254,990	$2,314	$21,834	$-803	-44.1%	$2,732/mo	$11,010
7	F	Single	10721 Waterfield Rd Jacksonville · 3bd/2.5ba · 1,429sf · 2026	$259,990	$2,321	$22,263	$-823	-44.4%	$2,755/mo	$11,010
8	F	Single	7228 Sabal Ter Jacksonville · 2bd/2.5ba · 1,180sf · 2026	$204,990	$1,837	$17,553	$-676	-46.2%	$2,206/mo	$9,640
9	F	Single	182 Brazil Nut Cir Jacksonville · 3bd/2.5ba · 1,429sf · 2026	$276,990	$2,342	$23,718	$-992	-50.2%	$2,937/mo	$11,010
10	F	Single	6782 Dutton Spur Ln Jacksonville · 4bd/3.0ba · 2,380sf · 2026	$426,329	$3,329	$36,506	$-1,551	-51.0%	$4,305/mo	$16,240
11	F	Single	12692 Fabius Way Jacksonville · 4bd/3.0ba · 2,486sf · 2026	$424,990	$3,398	$36,391	$-1,547	-51.0%	$4,362/mo	$16,823
12	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
13	F	Single	12740 Fabius Way Jacksonville · 4bd/3.0ba · 2,486sf · 2026	$439,990	$3,417	$37,676	$-1,676	-53.4%	$4,502/mo	$16,823
14	F	Single	10543 Autumn Trace Rd Jacksonville · 3bd/2.5ba · 1,707sf · 2007	$249,000	$2,110	$21,322	$-991	-55.8%	$2,744/mo	$55,131
15	F	Single	916 N 73rd St Unit A Jacksonville · 3bd/2.5ba · 1,416sf · 2008	$699,000	$2,861	$89,737	$-4,240	-56.7%	$6,496/mo	$49,709
16	F	Single	198 Brazil Nut Cir Jacksonville · 2bd/2.5ba · 1,220sf · 2026	$245,990	$1,915	$21,064	$-1,036	-59.0%	$2,620/mo	$9,860
17	F	Single	936 N 101st St Jacksonville · 3bd/3.0ba · 2,020sf · 1977	$688,000	$3,249	$78,407	$-3,952	-60.5%	$6,550/mo	$72,914
18	F	Single	11747 64th Ln S Jacksonville · 5bd/3.5ba · 2,020sf · 2012	$685,000	$3,413	$75,317	$-3,801	-60.6%	$6,542/mo	$22,810
19	F	Single	1641 Charon Rd Jacksonville · 3bd/1.0ba · 1,259sf · 1942	$374,900	$2,351	$32,102	$-1,747	-65.3%	$3,667/mo	$56,942
20	F	Single	10430 Bigtree Cir E Jacksonville · 2bd/1.5ba · 999sf · 1983	$195,000	$1,704	$16,698	$-927	-66.7%	$2,345/mo	$50,393
21	F	Single	12424 Tierra Chase Way Jacksonville · 4bd/3.0ba · 2,665sf · 2024	$599,999	$3,736	$51,377	$-3,030	-70.8%	$6,080/mo	$17,808
22	F	Single	7749 Las Palmas Way #138 Jacksonville · 2bd/2.0ba · 1,276sf · 1973	$159,900	$1,551	$13,692	$-808	-70.8%	$2,104/mo	$61,285
23	F	Single	115 W 4th St Jacksonville · 4bd/4.0ba · 3,498sf · 1904	$399,900	$2,657	$34,243	$-2,021	-70.8%	$4,199/mo	$102,790
24	F	Single	10035 17th Ave SW Jacksonville · 5bd/2.0ba · 1,620sf · 1925	$675,000	$3,191	$65,017	$-3,913	-72.2%	$6,464/mo	$66,445
25	F	Single	11419 Crestwood Dr S Jacksonville · 4bd/1.0ba · 1,620sf · 1945	$549,950	$2,978	$47,091	$-2,942	-75.0%	$5,350/mo	$62,358
26	F	Single	1407 N 103rd St Jacksonville · 3bd/2.0ba · 1,130sf · 2023	$675,000	$2,641	$65,017	$-4,332	-80.0%	$6,404/mo	$9,365
27	F	Single	12805 64th Ave S Jacksonville · 3bd/2.0ba · 1,040sf · 1955	$500,000	$2,362	$42,814	$-2,929	-82.1%	$4,817/mo	$57,745
28	F	Single	12715 35th Ave NE Unit A Jacksonville · 3bd/2.5ba · 1,450sf · 1996	$585,000	$2,741	$50,093	$-3,464	-83.0%	$5,654/mo	$52,330
29	F	Single	9236 Interlake Ave N Unit B Jacksonville · 3bd/3.5ba · 1,430sf · 2003	$645,000	$2,803	$55,230	$-3,988	-86.7%	$6,211/mo	$56,200
30	F	Single	12512 35th Ave NE Unit B Jacksonville · 3bd/2.5ba · 1,317sf · 2025	$599,000	$2,670	$51,292	$-3,719	-87.0%	$5,842/mo	$10,394
31	F	Single	3918 S Juneau St Jacksonville · 3bd/2.0ba · 1,122sf · 2026	$649,000	$2,681	$55,573	$-4,140	-89.4%	$6,256/mo	$9,321
32	F	Single	3807 Martin Luther King Jr Way S Unit B Jacksonville · 2bd/2.5ba · 1,488sf · 2016	$624,950	$2,567	$53,514	$-4,007	-89.9%	$6,032/mo	$19,884
33	F	Single	1207 SW cambridge St Jacksonville · 3bd/1.0ba · 980sf · 1922	$615,000	$2,466	$52,662	$-3,950	-90.0%	$5,891/mo	$52,758
34	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
35	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
36	F	Single	4004 Courtland Pl S Jacksonville · 2bd/2.5ba · 1,000sf · 2026	$550,000	$2,219	$47,096	$-3,585	-91.3%	$5,332/mo	$8,650
37	F	Single	2363 S McClellan St Jacksonville · 2bd/2.5ba · 1,480sf · 2007	$617,000	$2,552	$52,833	$-4,072	-92.5%	$6,087/mo	$52,657
38	F	Single	5720 37th Ave S Jacksonville · 2bd/1.0ba · 740sf · 1952	$499,900	$1,913	$42,806	$-3,318	-93.0%	$4,816/mo	$49,158
39	F	Single	7912 34th Ave SW Unit B Jacksonville · 2bd/2.0ba · 1,091sf · 2026	$599,000	$2,271	$51,292	$-3,981	-93.1%	$5,756/mo	$9,150
40	F	Single	9223 B Densmore Ave N Jacksonville · 2bd/1.0ba · 685sf · 2026	$449,900	$1,814	$38,524	$-2,991	-93.2%	$4,420/mo	$6,918
41	F	Single	1900 Westlake Ave N Unit B7 Jacksonville · 1bd/1.0ba · 480sf · 1992	$375,000	$1,434	$32,111	$-2,528	-94.5%	$3,650/mo	$42,202
42	F	Single	7915 18th Ave SW Jacksonville · 2bd/1.0ba · 770sf · 1948	$599,000	$2,057	$51,292	$-4,151	-97.1%	$5,741/mo	$49,608
43	F	Single	6920 California Ave SW #11 Jacksonville · 2bd/2.0ba · 1,382sf · 1987	$499,000	$2,436	$42,729	$-3,479	-97.7%	$5,432/mo	$58,962
44	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
45	F	Single	7546 26th Ave NW Unit B Jacksonville · 2bd/2.5ba · 840sf · 2023	$624,950	$2,195	$53,514	$-4,407	-98.8%	$6,109/mo	$7,770
46	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
47	F	Single	2960 Eastlake Ave E #213 Jacksonville · 1bd/1.0ba · 718sf · 2008	$398,000	$1,672	$34,080	$-2,932	-103.2%	$4,254/mo	$38,014
48	F	Single	4545 Sand Point Way NE #302 Jacksonville · 2bd/1.0ba · 1,191sf · 1968	$439,000	$2,220	$37,591	$-3,289	-105.0%	$5,075/mo	$55,922
49	F	Single	4528 8th Ave NE Unit 3C Jacksonville · 2bd/2.0ba · 1,026sf · 1996	$499,950	$2,175	$42,810	$-3,842	-107.7%	$5,568/mo	$47,708
50	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
51	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
52	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
53	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
54	F	Single	1414 12th Ave #205 Jacksonville · 1bd/1.0ba · 653sf · 2007	$325,000	$1,533	$27,829	$-2,612	-112.6%	$3,837/mo	$39,555
55	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
56	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
57	F	Single	1136 13th Ave #305 Jacksonville · 1bd/1.0ba · 660sf · 1924	$293,000	$1,498	$25,089	$-2,411	-115.3%	$3,616/mo	$47,958
58	F	Single	2911 2nd Ave #811 Jacksonville · 1bd/1.0ba · 603sf · 2009	$370,000	$1,552	$31,683	$-3,069	-116.2%	$4,296/mo	$36,760
59	F	Single	521 5th Ave W #306 Jacksonville · 1bd/1.0ba · 888sf · 1963	$425,000	$1,830	$36,392	$-3,546	-116.9%	$4,997/mo	$51,378
60	F	Single	8001 Sand Point Way NE Unit C47 Jacksonville · 2bd/2.0ba · 1,353sf · 1974	$645,000	$2,597	$55,230	$-5,388	-117.1%	$7,432/mo	$62,440

🏠

$279,000

8329 Osteen St

Jacksonville · 4bd/2.0ba · Single

1,739 sf · Built 2026

$-564

Cash Flow

-28.3%

CoC ROI

5.8%

Cap Rate

$23,890

Cash In

🏠

$259,990

9822 Harper Village Cir

Jacksonville · 3bd/2.5ba · Single

1,580 sf · Built 2026

$-663

Cash Flow

-35.7%

CoC ROI

5.2%

Cap Rate

$22,263

Cash In

🏠

$239,990

10723 Waterfield Rd

Jacksonville · 3bd/2.5ba · Single

1,429 sf · Built 2026

$-651

Cash Flow

-38.0%

CoC ROI

5.0%

Cap Rate

$20,550

Cash In

🏠

$321,850

12271 Copper Mallard Rd

Jacksonville · 5bd/2.0ba · Single

1,657 sf · Built 2026

$-977

Cash Flow

-42.5%

CoC ROI

4.6%

Cap Rate

$27,560

Cash In

🏠

$391,850

12240 Copper Mallard Pl

Jacksonville · 5bd/3.0ba · Single

2,499 sf · Built 2026

$-1,203

Cash Flow

-43.0%

CoC ROI

4.6%

Cap Rate

$33,554

Cash In

🏠

$254,990

190 Brazil Nut Cir

Jacksonville · 3bd/2.5ba · Single

1,429 sf · Built 2026

$-803

Cash Flow

-44.1%

CoC ROI

4.5%

Cap Rate

$21,834

Cash In

🏠

$259,990

10721 Waterfield Rd

Jacksonville · 3bd/2.5ba · Single

1,429 sf · Built 2026

$-823

Cash Flow

-44.4%

CoC ROI

4.5%

Cap Rate

$22,263

Cash In

🏠

$204,990

7228 Sabal Ter

Jacksonville · 2bd/2.5ba · Single

1,180 sf · Built 2026

$-676

Cash Flow

-46.2%

CoC ROI

4.3%

Cap Rate

$17,553

Cash In

🏠

$276,990

182 Brazil Nut Cir

Jacksonville · 3bd/2.5ba · Single

1,429 sf · Built 2026

$-992

Cash Flow

-50.2%

CoC ROI

4.0%

Cap Rate

$23,718

Cash In

🏠

$426,329

6782 Dutton Spur Ln

Jacksonville · 4bd/3.0ba · Single

2,380 sf · Built 2026

$-1,551

Cash Flow

-51.0%

CoC ROI

3.9%

Cap Rate

$36,506

Cash In

🏠

$424,990

12692 Fabius Way

Jacksonville · 4bd/3.0ba · Single

2,486 sf · Built 2026

$-1,547

Cash Flow

-51.0%

CoC ROI

3.9%

Cap Rate

$36,391

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

🏠

$439,990

12740 Fabius Way

Jacksonville · 4bd/3.0ba · Single

2,486 sf · Built 2026

$-1,676

Cash Flow

-53.4%

CoC ROI

3.7%

Cap Rate

$37,676

Cash In

🏠

$249,000

10543 Autumn Trace Rd

Jacksonville · 3bd/2.5ba · Single

1,707 sf · Built 2007

$-991

Cash Flow

-55.8%

CoC ROI

3.5%

Cap Rate

$21,322

Cash In

🏠

$699,000

916 N 73rd St Unit A

Jacksonville · 3bd/2.5ba · Single

1,416 sf · Built 2008

$-4,240

Cash Flow

-56.7%

CoC ROI

0.6%

Cap Rate

$89,737

Cash In

🏠

$245,990

198 Brazil Nut Cir

Jacksonville · 2bd/2.5ba · Single

1,220 sf · Built 2026

$-1,036

Cash Flow

-59.0%

CoC ROI

3.2%

Cap Rate

$21,064

Cash In

🏠

$688,000

936 N 101st St

Jacksonville · 3bd/3.0ba · Single

2,020 sf · Built 1977

$-3,952

Cash Flow

-60.5%

CoC ROI

1.1%

Cap Rate

$78,407

Cash In

🏠

$685,000

11747 64th Ln S

Jacksonville · 5bd/3.5ba · Single

2,020 sf · Built 2012

$-3,801

Cash Flow

-60.6%

CoC ROI

1.4%

Cap Rate

$75,317

Cash In

🏠

$374,900

1641 Charon Rd

Jacksonville · 3bd/1.0ba · Single

1,259 sf · Built 1942

$-1,747

Cash Flow

-65.3%

CoC ROI

2.7%

Cap Rate

$32,102

Cash In

🏠

$195,000

10430 Bigtree Cir E

Jacksonville · 2bd/1.5ba · Single

999 sf · Built 1983

$-927

Cash Flow

-66.7%

CoC ROI

2.5%

Cap Rate

$16,698

Cash In

🏠

$599,999

12424 Tierra Chase Way

Jacksonville · 4bd/3.0ba · Single

2,665 sf · Built 2024

$-3,030

Cash Flow

-70.8%

CoC ROI

2.2%

Cap Rate

$51,377

Cash In

🏘

$159,900

7749 Las Palmas Way #138

Jacksonville · 2bd/2.0ba · Single

1,276 sf · Built 1973

$-808

Cash Flow

-70.8%

CoC ROI

2.2%

Cap Rate

$13,692

Cash In

🏠

$399,900

115 W 4th St

Jacksonville · 4bd/4.0ba · Single

3,498 sf · Built 1904

$-2,021

Cash Flow

-70.8%

CoC ROI

2.2%

Cap Rate

$34,243

Cash In

🏠

$675,000

10035 17th Ave SW

Jacksonville · 5bd/2.0ba · Single

1,620 sf · Built 1925

$-3,913

Cash Flow

-72.2%

CoC ROI

1.2%

Cap Rate

$65,017

Cash In

🏠

$549,950

11419 Crestwood Dr S

Jacksonville · 4bd/1.0ba · Single

1,620 sf · Built 1945

$-2,942

Cash Flow

-75.0%

CoC ROI

1.8%

Cap Rate

$47,091

Cash In

🏠

$675,000

1407 N 103rd St

Jacksonville · 3bd/2.0ba · Single

1,130 sf · Built 2023

$-4,332

Cash Flow

-80.0%

CoC ROI

0.5%

Cap Rate

$65,017

Cash In

🏠

$500,000

12805 64th Ave S

Jacksonville · 3bd/2.0ba · Single

1,040 sf · Built 1955

$-2,929

Cash Flow

-82.1%

CoC ROI

1.2%

Cap Rate

$42,814

Cash In

🏠

$585,000

12715 35th Ave NE Unit A

Jacksonville · 3bd/2.5ba · Single

1,450 sf · Built 1996

$-3,464

Cash Flow

-83.0%

CoC ROI

1.1%

Cap Rate

$50,093

Cash In

🏠

$645,000

9236 Interlake Ave N Unit B

Jacksonville · 3bd/3.5ba · Single

1,430 sf · Built 2003

$-3,988

Cash Flow

-86.7%

CoC ROI

0.8%

Cap Rate

$55,230

Cash In

🏠

$599,000

12512 35th Ave NE Unit B

Jacksonville · 3bd/2.5ba · Single

1,317 sf · Built 2025

$-3,719

Cash Flow

-87.0%

CoC ROI

0.8%

Cap Rate

$51,292

Cash In

🏘

$649,000

3918 S Juneau St

Jacksonville · 3bd/2.0ba · Single

1,122 sf · Built 2026

$-4,140

Cash Flow

-89.4%

CoC ROI

0.6%

Cap Rate

$55,573

Cash In

🏠

$624,950

3807 Martin Luther King Jr Way S Unit B

Jacksonville · 2bd/2.5ba · Single

1,488 sf · Built 2016

$-4,007

Cash Flow

-89.9%

CoC ROI

0.6%

Cap Rate

$53,514

Cash In

🏠

$615,000

1207 SW cambridge St

Jacksonville · 3bd/1.0ba · Single

980 sf · Built 1922

$-3,950

Cash Flow

-90.0%

CoC ROI

0.5%

Cap Rate

$52,662

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

🏘

$550,000

4004 Courtland Pl S

Jacksonville · 2bd/2.5ba · Single

1,000 sf · Built 2026

$-3,585

Cash Flow

-91.3%

CoC ROI

0.4%

Cap Rate

$47,096

Cash In

🏠

$617,000

2363 S McClellan St

Jacksonville · 2bd/2.5ba · Single

1,480 sf · Built 2007

$-4,072

Cash Flow

-92.5%

CoC ROI

0.3%

Cap Rate

$52,833

Cash In

🏠

$499,900

5720 37th Ave S

Jacksonville · 2bd/1.0ba · Single

740 sf · Built 1952

$-3,318

Cash Flow

-93.0%

CoC ROI

0.3%

Cap Rate

$42,806

Cash In

🏠

$599,000

7912 34th Ave SW Unit B

Jacksonville · 2bd/2.0ba · Single

1,091 sf · Built 2026

$-3,981

Cash Flow

-93.1%

CoC ROI

0.3%

Cap Rate

$51,292

Cash In

🏠

$449,900

9223 B Densmore Ave N

Jacksonville · 2bd/1.0ba · Single

685 sf · Built 2026

$-2,991

Cash Flow

-93.2%

CoC ROI

0.3%

Cap Rate

$38,524

Cash In

🏠

$375,000

1900 Westlake Ave N Unit B7

Jacksonville · 1bd/1.0ba · Single

480 sf · Built 1992

$-2,528

Cash Flow

-94.5%

CoC ROI

0.2%

Cap Rate

$32,111

Cash In

🏠

$599,000

7915 18th Ave SW

Jacksonville · 2bd/1.0ba · Single

770 sf · Built 1948

$-4,151

Cash Flow

-97.1%

CoC ROI

-0.1%

Cap Rate

$51,292

Cash In

🏘

$499,000

6920 California Ave SW #11

Jacksonville · 2bd/2.0ba · Single

1,382 sf · Built 1987

$-3,479

Cash Flow

-97.7%

CoC ROI

-0.1%

Cap Rate

$42,729

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

🏘

$624,950

7546 26th Ave NW Unit B

Jacksonville · 2bd/2.5ba · Single

840 sf · Built 2023

$-4,407

Cash Flow

-98.8%

CoC ROI

-0.2%

Cap Rate

$53,514

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

🏘

$398,000

2960 Eastlake Ave E #213

Jacksonville · 1bd/1.0ba · Single

718 sf · Built 2008

$-2,932

Cash Flow

-103.2%

CoC ROI

-0.6%

Cap Rate

$34,080

Cash In

🏘

$439,000

4545 Sand Point Way NE #302

Jacksonville · 2bd/1.0ba · Single

1,191 sf · Built 1968

$-3,289

Cash Flow

-105.0%

CoC ROI

-0.7%

Cap Rate

$37,591

Cash In

🏘

$499,950

4528 8th Ave NE Unit 3C

Jacksonville · 2bd/2.0ba · Single

1,026 sf · Built 1996

$-3,842

Cash Flow

-107.7%

CoC ROI

-1.0%

Cap Rate

$42,810

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

🏘

$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

🏘

$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

🏘

$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

🏘

$325,000

1414 12th Ave #205

Jacksonville · 1bd/1.0ba · Single

653 sf · Built 2007

$-2,612

Cash Flow

-112.6%

CoC ROI

-1.4%

Cap Rate

$27,829

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

🏘

$293,000

1136 13th Ave #305

Jacksonville · 1bd/1.0ba · Single

660 sf · Built 1924

$-2,411

Cash Flow

-115.3%

CoC ROI

-1.6%

Cap Rate

$25,089

Cash In

🏘

$370,000

2911 2nd Ave #811

Jacksonville · 1bd/1.0ba · Single

603 sf · Built 2009

$-3,069

Cash Flow

-116.2%

CoC ROI

-1.7%

Cap Rate

$31,683

Cash In

🏘

$425,000

521 5th Ave W #306

Jacksonville · 1bd/1.0ba · Single

888 sf · Built 1963

$-3,546

Cash Flow

-116.9%

CoC ROI

-1.8%

Cap Rate

$36,392

Cash In

🏘

$645,000

8001 Sand Point Way NE Unit C47

Jacksonville · 2bd/2.0ba · Single

1,353 sf · Built 1974

$-5,388

Cash Flow

-117.1%

CoC ROI

-1.8%

Cap Rate

$55,230

Cash In

Property Breakdowns

8329 Osteen St Single

Jacksonville, FL 32210 · 4bd/2.0ba · 1,739sf · Built 2026

$279,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,765

Loan Amount: $273,947

Fees / MIP: $4,712

Closing Costs: $8,370

Reserves (3mo): $5,755

Total Cash Needed: $23,890

Monthly Expenses

Mortgage P&I+MIP: $1,918.46

Property Tax: $453.38

Insurance: $231.87

HOA: $0.00

Maint + CapEx: $325.50

Vacancy + Mgmt: $353.42

Total: $3,282.62/mo

Returns

Market Rent (all units): $2,719

Your Rental Income: $2,719

Cashflow: $-564/mo

Annual: $-6,768/yr

Cash-on-Cash ROI: -28.3%

Cap Rate: 5.8% · DSCR: 0.71x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-564/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: $7/mo (vs $-564/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $32/mo — saves $596/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $317/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-1,236/mo

STR vs LTR

-58%

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: $-564/mo · STR: $-1,236/mo · CoC ROI: -47.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,718/mo

RANGE

$2,718 – $2,718

CONFIDENCE

LOW

N/A

Our estimate $2,718/mo ✅ Inline with market

No comparable rentals found in 32210

Purchase + Close$287,370

Reno Cost$5,807

Holding (6mo)$19,696

Total All-In$312,873

ARV$297,522

Selling Costs 8%$23,802

Flip Profit$-39,153

Flip ROI-164%

📍 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	$4,782	+$14,347	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$5,807

VALUE ADDED

+$18,522

OVERALL ROI

319%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (319%)
• Negative cashflow ($-564/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-564/mo)
• Low barrier to entry ($23,890 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

▶

9822 Harper Village Cir Single

Jacksonville, FL 32219 · 3bd/2.5ba · 1,580sf · Built 2026

$259,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,100

Loan Amount: $255,281

Fees / MIP: $4,391

Closing Costs: $7,800

Reserves (3mo): $5,363

Total Cash Needed: $22,263

Monthly Expenses

Mortgage P&I+MIP: $1,787.74

Property Tax: $422.48

Insurance: $210.67

HOA: $45.00

Maint + CapEx: $303.32

Vacancy + Mgmt: $314.75

Total: $3,083.96/mo

Returns

Market Rent (all units): $2,421

Your Rental Income: $2,421

Cashflow: $-663/mo

Annual: $-7,954/yr

Cash-on-Cash ROI: -35.7%

Cap Rate: 5.2% · DSCR: 0.63x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-663/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: $-131/mo (vs $-663/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-108/mo — saves $555/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-384/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,450/mo

STR vs LTR

-67%

BREAKEVEN OCC

67%

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: $-663/mo · STR: $-1,450/mo · CoC ROI: -61.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,421/mo

RANGE

$2,421 – $2,421

CONFIDENCE

LOW

N/A

Our estimate $2,421/mo ✅ Inline with market

No comparable rentals found in 32219

Purchase + Close$267,790

Reno Cost$5,370

Holding (6mo)$18,504

Total All-In$291,663

ARV$277,200

Selling Costs 8%$22,176

Flip Profit$-36,639

Flip ROI-165%

📍 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	$4,345	+$13,035	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$5,370

VALUE ADDED

+$17,210

OVERALL ROI

320%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (320%)
• Negative cashflow ($-663/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-663/mo)
• Low barrier to entry ($22,263 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

▶

10723 Waterfield Rd Single

Jacksonville, FL 32210 · 3bd/2.5ba · 1,429sf · Built 2026

$239,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $8,400

Loan Amount: $235,643

Fees / MIP: $4,053

Closing Costs: $7,200

Reserves (3mo): $4,951

Total Cash Needed: $20,550

Monthly Expenses

Mortgage P&I+MIP: $1,650.22

Property Tax: $389.98

Insurance: $190.53

HOA: $138.00

Maint + CapEx: $279.99

Vacancy + Mgmt: $298.45

Total: $2,947.17/mo

Returns

Market Rent (all units): $2,296

Your Rental Income: $2,296

Cashflow: $-651/mo

Annual: $-7,817/yr

Cash-on-Cash ROI: -38.0%

Cap Rate: 5.0% · DSCR: 0.61x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-651/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: $-161/mo (vs $-651/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-139/mo — saves $513/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-247/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,345/mo

STR vs LTR

-64%

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: $-651/mo · STR: $-1,345/mo · CoC ROI: -59.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,295/mo

RANGE

$2,295 – $2,295

CONFIDENCE

LOW

N/A

Our estimate $2,295/mo ✅ Inline with market

No comparable rentals found in 32210

Purchase + Close$247,190

Reno Cost$4,955

Holding (6mo)$17,683

Total All-In$269,827

ARV$255,954

Selling Costs 8%$20,476

Flip Profit$-34,350

Flip ROI-167%

📍 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	$3,930	+$11,789	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

$4,955

VALUE ADDED

+$15,964

OVERALL ROI

322%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (322%)
• Negative cashflow ($-651/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-651/mo)
• Low barrier to entry ($20,550 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

▶

12271 Copper Mallard Rd Single

Jacksonville, FL 32219 · 5bd/2.0ba · 1,657sf · Built 2026

$321,850
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $11,265

Loan Amount: $316,020

Fees / MIP: $5,435

Closing Costs: $9,656

Reserves (3mo): $6,639

Total Cash Needed: $27,560

Monthly Expenses

Mortgage P&I+MIP: $2,213.10

Property Tax: $523.01

Insurance: $220.93

HOA: $9.00

Maint + CapEx: $375.49

Vacancy + Mgmt: $353.29

Total: $3,694.83/mo

Returns

Market Rent (all units): $2,718

Your Rental Income: $2,718

Cashflow: $-977/mo

Annual: $-11,726/yr

Cash-on-Cash ROI: -42.5%

Cap Rate: 4.6% · DSCR: 0.56x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-977/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: $-319/mo (vs $-977/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-290/mo — saves $687/mo.

👥 Rent by Room

Rent 5 rooms at ~$900/room = $4,500/mo. Projected cashflow: $805/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-1,794/mo

STR vs LTR

-65%

BREAKEVEN OCC

64%

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: $-977/mo · STR: $-1,794/mo · CoC ROI: -59.5%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,717/mo

RANGE

$2,717 – $2,717

CONFIDENCE

LOW

N/A

Our estimate $2,717/mo ✅ Inline with market

No comparable rentals found in 32219

Purchase + Close$331,506

Reno Cost$5,582

Holding (6mo)$22,169

Total All-In$359,256

ARV$339,695

Selling Costs 8%$27,176

Flip Profit$-46,737

Flip ROI-176%

📍 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	$4,557	+$13,670	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$5,582

VALUE ADDED

+$17,845

OVERALL ROI

320%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (320%)
• Negative cashflow ($-977/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-977/mo)

🛡 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

▶

12240 Copper Mallard Pl Single

Jacksonville, FL 32219 · 5bd/3.0ba · 2,499sf · Built 2026

$391,850
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $13,715

Loan Amount: $384,753

Fees / MIP: $6,617

Closing Costs: $11,756

Reserves (3mo): $8,083

Total Cash Needed: $33,554

Monthly Expenses

Mortgage P&I+MIP: $2,694.44

Property Tax: $636.76

Insurance: $333.20

HOA: $9.00

Maint + CapEx: $457.16

Vacancy + Mgmt: $437.46

Total: $4,568.02/mo

Returns

Market Rent (all units): $3,365

Your Rental Income: $3,365

Cashflow: $-1,203/mo

Annual: $-14,435/yr

Cash-on-Cash ROI: -43.0%

Cap Rate: 4.6% · DSCR: 0.55x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,203/mo negative cashflow with standard financing. Here are approaches that could turn it positive:

🤝 Seller Financing

Negotiate 10% down at 5.0% with the seller. Projected cashflow: $-402/mo (vs $-1,203/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-366/mo — saves $837/mo.

👥 Rent by Room

Rent 5 rooms at ~$900/room = $4,500/mo. Projected cashflow: $-68/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,547/mo

STR vs LTR

-76%

BREAKEVEN OCC

72%

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: $-1,203/mo · STR: $-2,547/mo · CoC ROI: -75.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,365/mo

RANGE

$3,365 – $3,365

CONFIDENCE

LOW

N/A

Our estimate $3,365/mo ✅ Inline with market

No comparable rentals found in 32219

Purchase + Close$403,606

Reno Cost$7,897

Holding (6mo)$27,408

Total All-In$438,911

ARV$416,642

Selling Costs 8%$33,331

Flip Profit$-55,600

Flip ROI-167%

📍 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	$6,872	+$20,617	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

$7,897

VALUE ADDED

+$24,792

OVERALL ROI

314%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (314%)
• Negative cashflow ($-1,203/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,203/mo)

🛡 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

▶

190 Brazil Nut Cir Single

Jacksonville, FL 32218 · 3bd/2.5ba · 1,429sf · Built 2026

$254,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $8,925

Loan Amount: $250,371

Fees / MIP: $4,306

Closing Costs: $7,650

Reserves (3mo): $5,260

Total Cash Needed: $21,834

Monthly Expenses

Mortgage P&I+MIP: $1,753.36

Property Tax: $414.36

Insurance: $190.53

HOA: $161.00

Maint + CapEx: $297.49

Vacancy + Mgmt: $300.88

Total: $3,117.62/mo

Returns

Market Rent (all units): $2,314

Your Rental Income: $2,314

Cashflow: $-803/mo

Annual: $-9,638/yr

Cash-on-Cash ROI: -44.1%

Cap Rate: 4.5% · DSCR: 0.54x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-803/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: $-282/mo (vs $-803/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-259/mo — saves $545/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-418/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,495/mo

STR vs LTR

-64%

BREAKEVEN OCC

68%

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: $-803/mo · STR: $-1,495/mo · CoC ROI: -64.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,314/mo

RANGE

$2,314 – $2,314

CONFIDENCE

LOW

N/A

Our estimate $2,314/mo ✅ Inline with market

No comparable rentals found in 32218

Purchase + Close$262,640

Reno Cost$4,955

Holding (6mo)$18,706

Total All-In$286,300

ARV$270,954

Selling Costs 8%$21,676

Flip Profit$-37,022

Flip ROI-172%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

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

Upgrade to Pro

TOP UPGRADES BY ROI

📷 Upload photos for AI analysis

Pri	Upgrade	Cost	Value Add	ROI
CRIT	Professional Deep Clean	$550	+$2,750	500%
📌 Non-negotiable before listing or renting. Removes odors, stains, and makes every other upgrade look better.
CRIT	Full Interior Paint	$3,930	+$11,789	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

$4,955

VALUE ADDED

+$15,964

OVERALL ROI

322%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (322%)
• Negative cashflow ($-803/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-803/mo)
• Low barrier to entry ($21,834 cash needed)

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

AI Deal Score

38/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

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

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

10721 Waterfield Rd Single

Jacksonville, FL 32210 · 3bd/2.5ba · 1,429sf · Built 2026

$259,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,100

Loan Amount: $255,281

Fees / MIP: $4,391

Closing Costs: $7,800

Reserves (3mo): $5,363

Total Cash Needed: $22,263

Monthly Expenses

Mortgage P&I+MIP: $1,787.74

Property Tax: $422.48

Insurance: $190.53

HOA: $138.00

Maint + CapEx: $303.32

Vacancy + Mgmt: $301.70

Total: $3,143.77/mo

Returns

Market Rent (all units): $2,321

Your Rental Income: $2,321

Cashflow: $-823/mo

Annual: $-9,877/yr

Cash-on-Cash ROI: -44.4%

Cap Rate: 4.5% · DSCR: 0.54x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-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: $-291/mo (vs $-823/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-268/mo — saves $555/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-444/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,515/mo

STR vs LTR

-64%

BREAKEVEN OCC

68%

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: $-823/mo · STR: $-1,515/mo · CoC ROI: -64.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,320/mo

RANGE

$2,320 – $2,320

CONFIDENCE

LOW

N/A

Our estimate $2,320/mo ✅ Inline with market

No comparable rentals found in 32210

Purchase + Close$267,790

Reno Cost$4,955

Holding (6mo)$18,863

Total All-In$291,607

ARV$275,954

Selling Costs 8%$22,076

Flip Profit$-37,729

Flip ROI-173%

📍 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	$3,930	+$11,789	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

$4,955

VALUE ADDED

+$15,964

OVERALL ROI

322%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (322%)
• Negative cashflow ($-823/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-823/mo)
• Low barrier to entry ($22,263 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

▶

7228 Sabal Ter Single

Jacksonville, FL 32210 · 2bd/2.5ba · 1,180sf · Built 2026

$204,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $7,175

Loan Amount: $201,277

Fees / MIP: $3,462

Closing Costs: $6,150

Reserves (3mo): $4,229

Total Cash Needed: $17,553

Monthly Expenses

Mortgage P&I+MIP: $1,409.56

Property Tax: $333.11

Insurance: $157.33

HOA: $135.00

Maint + CapEx: $239.16

Vacancy + Mgmt: $238.84

Total: $2,512.99/mo

Returns

Market Rent (all units): $1,837

Your Rental Income: $1,837

Cashflow: $-676/mo

Annual: $-8,110/yr

Cash-on-Cash ROI: -46.2%

Cap Rate: 4.3% · DSCR: 0.52x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-676/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: $-257/mo (vs $-676/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-238/mo — saves $438/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-1,298/mo

STR vs LTR

-68%

BREAKEVEN OCC

75%

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: $-676/mo · STR: $-1,298/mo · CoC ROI: -68.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,837/mo

RANGE

$1,837 – $1,837

CONFIDENCE

LOW

N/A

Our estimate $1,837/mo ✅ Inline with market

No comparable rentals found in 32210

Purchase + Close$211,140

Reno Cost$4,270

Holding (6mo)$15,078

Total All-In$230,488

ARV$218,900

Selling Costs 8%$17,512

Flip Profit$-29,100

Flip ROI-165%

📍 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	$3,245	+$9,735	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

$4,270

VALUE ADDED

+$13,910

OVERALL ROI

326%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (326%)
• Negative cashflow ($-676/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-676/mo)
• Low barrier to entry ($17,553 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

▶

182 Brazil Nut Cir Single

Jacksonville, FL 32218 · 3bd/2.5ba · 1,429sf · Built 2026

$276,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $9,695

Loan Amount: $271,973

Fees / MIP: $4,678

Closing Costs: $8,310

Reserves (3mo): $5,714

Total Cash Needed: $23,718

Monthly Expenses

Mortgage P&I+MIP: $1,904.64

Property Tax: $450.11

Insurance: $190.53

HOA: $161.00

Maint + CapEx: $323.16

Vacancy + Mgmt: $304.46

Total: $3,333.89/mo

Returns

Market Rent (all units): $2,342

Your Rental Income: $2,342

Cashflow: $-992/mo

Annual: $-11,903/yr

Cash-on-Cash ROI: -50.2%

Cap Rate: 4.0% · DSCR: 0.48x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-992/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: $-426/mo (vs $-992/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-400/mo — saves $592/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-634/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,682/mo

STR vs LTR

-64%

BREAKEVEN OCC

71%

STR EXPENSES BREAKDOWN

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

FURNITURE SETUP

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

🛡

LTR is safer bet

LTR: $-992/mo · STR: $-1,682/mo · CoC ROI: -68.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,341/mo

RANGE

$2,341 – $2,341

CONFIDENCE

LOW

N/A

Our estimate $2,341/mo ✅ Inline with market

No comparable rentals found in 32218

Purchase + Close$285,300

Reno Cost$4,955

Holding (6mo)$20,003

Total All-In$310,258

ARV$292,954

Selling Costs 8%$23,436

Flip Profit$-40,740

Flip ROI-177%

📍 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	$3,930	+$11,789	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

$4,955

VALUE ADDED

+$15,964

OVERALL ROI

322%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (322%)
• Negative cashflow ($-992/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-992/mo)
• Low barrier to entry ($23,718 cash needed)

🛡 NEIGHBORHOOD SAFETY

4/10 Moderate

Some crime concerns, exercise normal caution

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

▶

6782 Dutton Spur Ln Single

Jacksonville, FL 32219 · 4bd/3.0ba · 2,380sf · Built 2026

$426,329
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $14,922

Loan Amount: $418,607

Fees / MIP: $7,200

Closing Costs: $12,790

Reserves (3mo): $8,795

Total Cash Needed: $36,506

Monthly Expenses

Mortgage P&I+MIP: $2,931.52

Property Tax: $692.78

Insurance: $317.33

HOA: $8.00

Maint + CapEx: $497.38

Vacancy + Mgmt: $432.77

Total: $4,879.80/mo

Returns

Market Rent (all units): $3,329

Your Rental Income: $3,329

Cashflow: $-1,551/mo

Annual: $-18,609/yr

Cash-on-Cash ROI: -51.0%

Cap Rate: 3.9% · DSCR: 0.47x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,551/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: $-679/mo (vs $-1,551/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-640/mo — saves $911/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-1,280/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,617/mo

STR vs LTR

-70%

BREAKEVEN OCC

73%

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: $-1,551/mo · STR: $-2,617/mo · CoC ROI: -76.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,329/mo

RANGE

$3,329 – $3,329

CONFIDENCE

LOW

N/A

Our estimate $3,329/mo ✅ Inline with market

No comparable rentals found in 32219

Purchase + Close$439,119

Reno Cost$7,570

Holding (6mo)$29,279

Total All-In$475,968

ARV$450,139

Selling Costs 8%$36,011

Flip Profit$-61,840

Flip ROI-175%

📍 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	$6,545	+$19,635	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

$7,570

VALUE ADDED

+$23,810

OVERALL ROI

314%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (314%)
• Negative cashflow ($-1,551/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,551/mo)

🛡 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

▶

12692 Fabius Way Single

Jacksonville, FL 32218 · 4bd/3.0ba · 2,486sf · Built 2026

$424,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $14,875

Loan Amount: $417,292

Fees / MIP: $7,177

Closing Costs: $12,750

Reserves (3mo): $8,767

Total Cash Needed: $36,391

Monthly Expenses

Mortgage P&I+MIP: $2,922.32

Property Tax: $690.61

Insurance: $331.47

HOA: $63.00

Maint + CapEx: $495.82

Vacancy + Mgmt: $441.72

Total: $4,944.94/mo

Returns

Market Rent (all units): $3,398

Your Rental Income: $3,398

Cashflow: $-1,547/mo

Annual: $-18,565/yr

Cash-on-Cash ROI: -51.0%

Cap Rate: 3.9% · DSCR: 0.47x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,547/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: $-678/mo (vs $-1,547/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-639/mo — saves $908/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

-71%

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: $-1,547/mo · STR: $-2,680/mo · CoC ROI: -78.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,397/mo

RANGE

$3,397 – $3,397

CONFIDENCE

LOW

N/A

Our estimate $3,397/mo ✅ Inline with market

No comparable rentals found in 32218

Purchase + Close$437,740

Reno Cost$7,862

Holding (6mo)$29,670

Total All-In$475,271

ARV$449,674

Selling Costs 8%$35,974

Flip Profit$-61,570

Flip ROI-174%

📍 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	$6,836	+$20,510	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

$7,862

VALUE ADDED

+$24,684

OVERALL ROI

314%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (314%)
• Negative cashflow ($-1,547/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,547/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

▶

12740 Fabius Way Single

Jacksonville, FL 32218 · 4bd/3.0ba · 2,486sf · Built 2026

$439,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,400

Loan Amount: $432,021

Fees / MIP: $7,430

Closing Costs: $13,200

Reserves (3mo): $9,076

Total Cash Needed: $37,676

Monthly Expenses

Mortgage P&I+MIP: $3,025.46

Property Tax: $714.98

Insurance: $331.47

HOA: $63.00

Maint + CapEx: $513.32

Vacancy + Mgmt: $444.16

Total: $5,092.39/mo

Returns

Market Rent (all units): $3,417

Your Rental Income: $3,417

Cashflow: $-1,676/mo

Annual: $-20,109/yr

Cash-on-Cash ROI: -53.4%

Cap Rate: 3.7% · DSCR: 0.45x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,676/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: $-776/mo (vs $-1,676/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-736/mo — saves $940/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-1,492/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,808/mo

STR vs LTR

-71%

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: $-1,676/mo · STR: $-2,808/mo · CoC ROI: -80.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,416/mo

RANGE

$3,416 – $3,416

CONFIDENCE

LOW

N/A

Our estimate $3,416/mo ✅ Inline with market

No comparable rentals found in 32218

Purchase + Close$453,190

Reno Cost$7,862

Holding (6mo)$30,554

Total All-In$491,606

ARV$464,674

Selling Costs 8%$37,174

Flip Profit$-64,105

Flip ROI-176%

📍 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	$6,836	+$20,510	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

$7,862

VALUE ADDED

+$24,684

OVERALL ROI

314%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (314%)
• Negative cashflow ($-1,676/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,676/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

▶

10543 Autumn Trace Rd Single

Jacksonville, FL 32257 · 3bd/2.5ba · 1,707sf · Built 2007

$249,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $8,715

Loan Amount: $244,490

Fees / MIP: $4,205

Closing Costs: $7,470

Reserves (3mo): $5,137

Total Cash Needed: $21,322

Monthly Expenses

Mortgage P&I+MIP: $1,712.17

Property Tax: $404.62

Insurance: $227.60

HOA: $192.00

Maint + CapEx: $290.50

Vacancy + Mgmt: $274.27

Total: $3,101.16/mo

Returns

Market Rent (all units): $2,110

Your Rental Income: $2,110

Cashflow: $-991/mo

Annual: $-11,897/yr

Cash-on-Cash ROI: -55.8%

Cap Rate: 3.5% · DSCR: 0.42x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-991/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: $-482/mo (vs $-991/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-460/mo — saves $532/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-401/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-1,527/mo

STR vs LTR

-63%

BREAKEVEN OCC

68%

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: $-991/mo · STR: $-1,527/mo · CoC ROI: -66.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,109/mo

RANGE

$2,109 – $2,109

CONFIDENCE

LOW

N/A

Our estimate $2,109/mo ✅ Inline with market

No comparable rentals found in 32257

Purchase + Close$256,470

Reno Cost$56,811

Holding (6mo)$18,607

Total All-In$331,888

ARV$360,943

Selling Costs 8%$28,875

Flip Profit+$179

Flip ROI0%

📍 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	$4,694	+$14,083	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

$56,811

VALUE ADDED

+$111,943

OVERALL ROI

197%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$55,131)
• Excellent reno ROI (197%)
• Negative cashflow ($-991/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-991/mo)
• Low barrier to entry ($21,322 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

▶

916 N 73rd St Unit A Single

Jacksonville, FL 98103 · 3bd/2.5ba · 1,416sf · Built 2008

$699,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $55,000

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,970

Reserves (3mo): $13,767

Total Cash Needed: $89,737

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,135.88

Insurance: $188.80

HOA: $0.00

Maint + CapEx: $815.50

Vacancy + Mgmt: $371.91

Total: $7,100.97/mo

Returns

Market Rent (all units): $2,861

Your Rental Income: $2,861

Cashflow: $-4,240/mo

Annual: $-50,882/yr

Cash-on-Cash ROI: -56.7%

Cap Rate: 0.6% · DSCR: 0.08x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,240/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: $-3,028/mo (vs $-4,240/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,965/mo — saves $1,275/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,889/mo

STR vs LTR

-71%

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: $-4,240/mo · STR: $-4,889/mo · CoC ROI: -67.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,860/mo

RANGE

$2,860 – $2,860

CONFIDENCE

LOW

N/A

Our estimate $2,860/mo ✅ Inline with market

No comparable rentals found in 98103

Purchase + Close$719,970

Reno Cost$46,765

Holding (6mo)$42,606

Total All-In$809,341

ARV$795,474

Selling Costs 8%$63,638

Flip Profit$-77,504

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	$3,894	+$11,682	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)	$8,496	+$16,142	190%
📌 Waterproof LVP is ideal for Miami's humidity and withstands tenant use — low maintenance, 25-yr lifespan.

RENO COST

$46,765

VALUE ADDED

+$96,474

OVERALL ROI

206%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$49,709)
• Excellent reno ROI (206%)
• Negative cashflow ($-4,240/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,240/mo)
• High cash requirement ($89,737)
• 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

▶

198 Brazil Nut Cir Single

Jacksonville, FL 32218 · 2bd/2.5ba · 1,220sf · Built 2026

$245,990
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $8,610

Loan Amount: $241,535

Fees / MIP: $4,154

Closing Costs: $7,380

Reserves (3mo): $5,074

Total Cash Needed: $21,064

Monthly Expenses

Mortgage P&I+MIP: $1,691.48

Property Tax: $399.73

Insurance: $162.67

HOA: $161.00

Maint + CapEx: $286.99

Vacancy + Mgmt: $248.95

Total: $2,950.82/mo

Returns

Market Rent (all units): $1,915

Your Rental Income: $1,915

Cashflow: $-1,036/mo

Annual: $-12,429/yr

Cash-on-Cash ROI: -59.0%

Cap Rate: 3.2% · DSCR: 0.39x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,036/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: $-533/mo (vs $-1,036/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-510/mo — saves $525/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-1,680/mo

STR vs LTR

-70%

BREAKEVEN OCC

82%

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: $-1,036/mo · STR: $-1,680/mo · CoC ROI: -79.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,915/mo

RANGE

$1,915 – $1,915

CONFIDENCE

LOW

N/A

Our estimate $1,915/mo ✅ Inline with market

No comparable rentals found in 32218

Purchase + Close$253,370

Reno Cost$4,380

Holding (6mo)$17,705

Total All-In$275,455

ARV$260,230

Selling Costs 8%$20,818

Flip Profit$-36,043

Flip ROI-177%

📍 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	$3,355	+$10,065	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

$4,380

VALUE ADDED

+$14,240

OVERALL ROI

325%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (325%)
• Negative cashflow ($-1,036/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,036/mo)
• Low barrier to entry ($21,064 cash needed)

🛡 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

▶

936 N 101st St Single

Jacksonville, FL 98133 · 3bd/3.0ba · 2,020sf · Built 1977

$688,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $44,000

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,640

Reserves (3mo): $13,767

Total Cash Needed: $78,407

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,118.00

Insurance: $269.33

HOA: $0.00

Maint + CapEx: $802.66

Vacancy + Mgmt: $422.34

Total: $7,201.23/mo

Returns

Market Rent (all units): $3,249

Your Rental Income: $3,249

Cashflow: $-3,952/mo

Annual: $-47,430/yr

Cash-on-Cash ROI: -60.5%

Cap Rate: 1.1% · DSCR: 0.14x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,952/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: $-2,688/mo (vs $-3,952/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,625/mo — saves $1,327/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,984/mo

STR vs LTR

-78%

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: $-3,952/mo · STR: $-4,984/mo · CoC ROI: -78.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,248/mo

RANGE

$3,248 – $3,248

CONFIDENCE

LOW

N/A

Our estimate $3,248/mo ✅ Inline with market

No comparable rentals found in 98133

Purchase + Close$708,640

Reno Cost$87,117

Holding (6mo)$43,207

Total All-In$838,964

ARV$848,030

Selling Costs 8%$67,842

Flip Profit$-58,776

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 ~49 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	$5,555	+$16,665	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$87,117

VALUE ADDED

+$160,030

OVERALL ROI

184%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$72,914)
• Excellent reno ROI (184%)
• Older build (1977) — high value-add potential
• Negative cashflow ($-3,952/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,952/mo)
• High cash requirement ($78,407)
• 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

▶

11747 64th Ln S Single

Jacksonville, FL 98178 · 5bd/3.5ba · 2,020sf · Built 2012

$685,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $41,000

Loan Amount: $655,270

Fees / MIP: $11,270

Closing Costs: $20,550

Reserves (3mo): $13,767

Total Cash Needed: $75,317

Monthly Expenses

Mortgage P&I+MIP: $4,588.89

Property Tax: $1,113.12

Insurance: $269.33

HOA: $0.00

Maint + CapEx: $799.16

Vacancy + Mgmt: $443.69

Total: $7,214.20/mo

Returns

Market Rent (all units): $3,413

Your Rental Income: $3,413

Cashflow: $-3,801/mo

Annual: $-45,614/yr

Cash-on-Cash ROI: -60.6%

Cap Rate: 1.4% · DSCR: 0.17x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,801/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: $-2,522/mo (vs $-3,801/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,460/mo — saves $1,342/mo.

👥 Rent by Room

Rent 5 rooms at ~$900/room = $4,500/mo. Projected cashflow: $-2,714/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-4,819/mo

STR vs LTR

-74%

BREAKEVEN OCC

98%

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: $-3,801/mo · STR: $-4,819/mo · CoC ROI: -75.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,413/mo

RANGE

$3,413 – $3,413

CONFIDENCE

LOW

N/A

Our estimate $3,413/mo ✅ Inline with market

No comparable rentals found in 98178

Purchase + Close$705,550

Reno Cost$10,630

Holding (6mo)$43,285

Total All-In$759,465

ARV$718,440

Selling Costs 8%$57,475

Flip Profit$-98,500

Flip ROI-136%

📍 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	$5,555	+$16,665	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

$10,630

VALUE ADDED

+$33,440

OVERALL ROI

315%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$22,810)
• Excellent reno ROI (315%)
• Negative cashflow ($-3,801/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,801/mo)
• High cash requirement ($75,317)

🛡 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

▶

1641 Charon Rd Single

Jacksonville, FL 32205 · 3bd/1.0ba · 1,259sf · Built 1942

$374,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $13,122

Loan Amount: $368,110

Fees / MIP: $6,331

Closing Costs: $11,247

Reserves (3mo): $7,734

Total Cash Needed: $32,102

Monthly Expenses

Mortgage P&I+MIP: $2,577.89

Property Tax: $609.21

Insurance: $167.87

HOA: $0.00

Maint + CapEx: $437.39

Vacancy + Mgmt: $305.67

Total: $4,098.02/mo

Returns

Market Rent (all units): $2,351

Your Rental Income: $2,351

Cashflow: $-1,747/mo

Annual: $-20,961/yr

Cash-on-Cash ROI: -65.3%

Cap Rate: 2.7% · DSCR: 0.32x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-1,747/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: $-980/mo (vs $-1,747/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-946/mo — saves $801/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-1,398/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-2,322/mo

STR vs LTR

-63%

BREAKEVEN OCC

80%

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: $-1,747/mo · STR: $-2,322/mo · CoC ROI: -78.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,351/mo

RANGE

$2,351 – $2,351

CONFIDENCE

LOW

N/A

Our estimate $2,351/mo ✅ Inline with market

No comparable rentals found in 32205

Purchase + Close$386,147

Reno Cost$83,171

Holding (6mo)$24,588

Total All-In$493,906

ARV$515,013

Selling Costs 8%$41,201

Flip Profit$-20,094

Flip ROI-19%

📍 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 ~84 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$11,960	+$13,157	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

$83,171

VALUE ADDED

+$140,113

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$56,942)
• Excellent reno ROI (168%)
• Older build (1942) — high value-add potential
• Negative cashflow ($-1,747/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-1,747/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

▶

10430 Bigtree Cir E Single

Jacksonville, FL 32257 · 2bd/1.5ba · 999sf · Built 1983

$195,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $6,825

Loan Amount: $191,468

Fees / MIP: $3,293

Closing Costs: $5,850

Reserves (3mo): $4,023

Total Cash Needed: $16,698

Monthly Expenses

Mortgage P&I+MIP: $1,340.86

Property Tax: $316.88

Insurance: $150.00

HOA: $375.00

Maint + CapEx: $227.50

Vacancy + Mgmt: $221.57

Total: $2,631.80/mo

Returns

Market Rent (all units): $1,704

Your Rental Income: $1,704

Cashflow: $-927/mo

Annual: $-11,130/yr

Cash-on-Cash ROI: -66.7%

Cap Rate: 2.5% · DSCR: 0.31x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-927/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: $-529/mo (vs $-927/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-511/mo — saves $416/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-1,443/mo

STR vs LTR

-65%

BREAKEVEN OCC

78%

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: $-927/mo · STR: $-1,443/mo · CoC ROI: -78.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,704/mo

RANGE

$1,704 – $1,704

CONFIDENCE

LOW

N/A

Our estimate $1,704/mo ✅ Inline with market

No comparable rentals found in 32257

Purchase + Close$200,850

Reno Cost$64,989

Holding (6mo)$15,791

Total All-In$281,630

ARV$310,383

Selling Costs 8%$24,831

Flip Profit+$3,922

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 ~43 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	$2,747	+$8,242	300%
📌 Neutral paint (SW Agreeable Gray, BM Simply White) is the highest-ROI upgrade in real estate — period.

RENO COST

$64,989

VALUE ADDED

+$115,383

OVERALL ROI

178%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$50,393)
• Excellent reno ROI (178%)
• Older build (1983) — high value-add potential
• Negative cashflow ($-927/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-927/mo)
• Low barrier to entry ($16,698 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

▶

12424 Tierra Chase Way Single

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

$599,999
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $21,000

Loan Amount: $589,132

Fees / MIP: $10,132

Closing Costs: $18,000

Reserves (3mo): $12,377

Total Cash Needed: $51,377

Monthly Expenses

Mortgage P&I+MIP: $4,125.71

Property Tax: $975.00

Insurance: $355.33

HOA: $124.00

Maint + CapEx: $700.00

Vacancy + Mgmt: $485.63

Total: $6,765.68/mo

Returns

Market Rent (all units): $3,736

Your Rental Income: $3,736

Cashflow: $-3,030/mo

Annual: $-36,360/yr

Cash-on-Cash ROI: -70.8%

Cap Rate: 2.2% · DSCR: 0.27x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,030/mo negative cashflow with standard financing. Here are approaches that could turn it positive:

🤝 Seller Financing

Negotiate 10% down at 5.0% with the seller. Projected cashflow: $-1,803/mo (vs $-3,030/mo conventional).

💰 DSCR Loan (25% Down)

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

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-4,262/mo

STR vs LTR

-74%

BREAKEVEN OCC

92%

STR EXPENSES BREAKDOWN

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

FURNITURE SETUP

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

🛡

LTR is safer bet

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

🏠 RENTAL COMPS

AVG MARKET RENT

$3,735/mo

RANGE

$3,735 – $3,735

CONFIDENCE

LOW

N/A

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

No comparable rentals found in 32225

Purchase + Close$617,999

Reno Cost$8,354

Holding (6mo)$40,594

Total All-In$666,947

ARV$626,160

Selling Costs 8%$50,093

Flip Profit$-90,879

Flip ROI-192%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

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

Upgrade to Pro

TOP UPGRADES BY ROI

📷 Upload photos for AI analysis

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

RENO COST

$8,354

VALUE ADDED

+$26,161

OVERALL ROI

313%

🔨 FIX & FLIP High Confidence

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

❌ IS IT WORTH IT?

NO — Walk Away

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

🛡 NEIGHBORHOOD SAFETY

6/10 Safe

Average to below-average crime, generally safe area

AI Deal Score

31/100

🔴 Weak

Cash Flow

75$820/mo

Cap Rate

606.2%

CoC Return

508.1%

Freshness

4012 DOM

🔒

See full AI analysis

⬆️ Upgrade to Pro

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

📈 10-YEAR EQUITY PROJECTION

▶

🔨 FIX & FLIP ANALYSIS

▶

7749 Las Palmas Way #138 Single

Jacksonville, FL 32256 · 2bd/2.0ba · 1,276sf · Built 1973

$159,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $5,596

Loan Amount: $157,004

Fees / MIP: $2,700

Closing Costs: $4,797

Reserves (3mo): $3,299

Total Cash Needed: $13,692

Monthly Expenses

Mortgage P&I+MIP: $1,099.50

Property Tax: $259.84

Insurance: $170.13

HOA: $441.00

Maint + CapEx: $186.55

Vacancy + Mgmt: $201.63

Total: $2,358.66/mo

Returns

Market Rent (all units): $1,551

Your Rental Income: $1,551

Cashflow: $-808/mo

Annual: $-9,691/yr

Cash-on-Cash ROI: -70.8%

Cap Rate: 2.2% · DSCR: 0.27x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-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: $-481/mo (vs $-808/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-466/mo — saves $342/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-1,239/mo

STR vs LTR

-64%

BREAKEVEN OCC

73%

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: $-808/mo · STR: $-1,239/mo · CoC ROI: -75.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,551/mo

RANGE

$1,551 – $1,551

CONFIDENCE

LOW

N/A

Our estimate $1,551/mo ✅ Inline with market

No comparable rentals found in 32256

Purchase + Close$164,697

Reno Cost$89,042

Holding (6mo)$14,152

Total All-In$267,891

ARV$310,227

Selling Costs 8%$24,818

Flip Profit+$17,518

Flip ROI18%

📍 NEIGHBORHOOD SCORE 🔒 Pro

▶

🤖 SpillAI ANALYSIS 🔒 Pro

🔒 Pro Feature

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

Upgrade to Pro

TOP UPGRADES BY ROI

📷 Upload photos for AI analysis

Pri	Upgrade	Cost	Value Add	ROI
CRIT	New A/C System	$7,500	+$9,750	130%
📌 This property is ~53 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$12,122	+$13,334	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

$89,042

VALUE ADDED

+$150,327

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$61,285)
• Excellent reno ROI (169%)
• Older build (1973) — high value-add potential
• Negative cashflow ($-808/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-808/mo)
• Low barrier to entry ($13,692 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

▶

115 W 4th St Single

Jacksonville, FL 32206 · 4bd/4.0ba · 3,498sf · Built 1904

$399,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $13,996

Loan Amount: $392,657

Fees / MIP: $6,753

Closing Costs: $11,997

Reserves (3mo): $8,249

Total Cash Needed: $34,243

Monthly Expenses

Mortgage P&I+MIP: $2,749.79

Property Tax: $649.84

Insurance: $466.40

HOA: $0.00

Maint + CapEx: $466.55

Vacancy + Mgmt: $345.36

Total: $4,677.94/mo

Returns

Market Rent (all units): $2,657

Your Rental Income: $2,657

Cashflow: $-2,021/mo

Annual: $-24,255/yr

Cash-on-Cash ROI: -70.8%

Cap Rate: 2.2% · DSCR: 0.26x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,021/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: $-1,204/mo (vs $-2,021/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,167/mo — saves $854/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-1,078/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-2,593/mo

STR vs LTR

-70%

BREAKEVEN OCC

73%

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: $-2,021/mo · STR: $-2,593/mo · CoC ROI: -79.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,656/mo

RANGE

$2,656 – $2,656

CONFIDENCE

LOW

N/A

Our estimate $2,656/mo ✅ Inline with market

No comparable rentals found in 32206

Purchase + Close$411,897

Reno Cost$145,309

Holding (6mo)$28,068

Total All-In$585,274

ARV$647,999

Selling Costs 8%$51,840

Flip Profit+$10,885

Flip ROI6%

📍 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 ~122 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	$33,231	+$36,554	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

$145,309

VALUE ADDED

+$248,099

OVERALL ROI

171%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$102,790)
• Excellent reno ROI (171%)
• Older build (1904) — high value-add potential
• Negative cashflow ($-2,021/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,021/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

28/100

🔴 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

▶

10035 17th Ave SW Single

Jacksonville, FL 98146 · 5bd/2.0ba · 1,620sf · Built 1925

$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: $216.00

HOA: $0.00

Maint + CapEx: $787.50

Vacancy + Mgmt: $414.86

Total: $7,104.12/mo

Returns

Market Rent (all units): $3,191

Your Rental Income: $3,191

Cashflow: $-3,913/mo

Annual: $-46,955/yr

Cash-on-Cash ROI: -72.2%

Cap Rate: 1.2% · DSCR: 0.15x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,913/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: $-2,585/mo (vs $-3,913/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,524/mo — saves $1,389/mo.

👥 Rent by Room

Rent 5 rooms at ~$900/room = $4,500/mo. Projected cashflow: $-2,604/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-4,728/mo

STR vs LTR

-70%

BREAKEVEN OCC

97%

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: $-3,913/mo · STR: $-4,728/mo · CoC ROI: -85.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$3,191/mo

RANGE

$3,191 – $3,191

CONFIDENCE

LOW

N/A

Our estimate $3,191/mo ✅ Inline with market

No comparable rentals found in 98146

Purchase + Close$695,250

Reno Cost$96,042

Holding (6mo)$42,625

Total All-In$833,917

ARV$837,487

Selling Costs 8%$66,999

Flip Profit$-63,429

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 ~101 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	$15,390	+$16,929	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

$96,042

VALUE ADDED

+$162,487

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$66,445)
• Excellent reno ROI (169%)
• Older build (1925) — high value-add potential
• Negative cashflow ($-3,913/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,913/mo)
• High cash requirement ($65,017)
• 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

▶

11419 Crestwood Dr S Single

Jacksonville, FL 98178 · 4bd/1.0ba · 1,620sf · Built 1945

$549,950
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $19,248

Loan Amount: $539,989

Fees / MIP: $9,287

Closing Costs: $16,498

Reserves (3mo): $11,345

Total Cash Needed: $47,091

Monthly Expenses

Mortgage P&I+MIP: $3,781.57

Property Tax: $893.67

Insurance: $216.00

HOA: $0.00

Maint + CapEx: $641.61

Vacancy + Mgmt: $387.17

Total: $5,920.01/mo

Returns

Market Rent (all units): $2,978

Your Rental Income: $2,978

Cashflow: $-2,942/mo

Annual: $-35,302/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 $-2,942/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: $-1,817/mo (vs $-2,942/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,767/mo — saves $1,175/mo.

👥 Rent by Room

Rent 4 rooms at ~$900/room = $3,600/mo. Projected cashflow: $-2,320/mo.

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

AVG NIGHTLY

$300

OCCUPANCY

50%

GROSS / MO

$4,500

STR CASHFLOW

$-3,518/mo

STR vs LTR

-61%

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: $-2,942/mo · STR: $-3,518/mo · CoC ROI: -86.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,978/mo

RANGE

$2,978 – $2,978

CONFIDENCE

LOW

N/A

Our estimate $2,978/mo ✅ Inline with market

No comparable rentals found in 98178

Purchase + Close$566,448

Reno Cost$90,517

Holding (6mo)$35,520

Total All-In$692,486

ARV$702,824

Selling Costs 8%$56,226

Flip Profit$-45,887

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 ~81 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	$15,390	+$16,929	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

$90,517

VALUE ADDED

+$152,874

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$62,358)
• Excellent reno ROI (169%)
• Older build (1945) — high value-add potential
• Negative cashflow ($-2,942/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,942/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

▶

1407 N 103rd St Single

Jacksonville, FL 98133 · 3bd/2.0ba · 1,130sf · Built 2023

$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: $150.67

HOA: $5.00

Maint + CapEx: $787.50

Vacancy + Mgmt: $343.28

Total: $6,972.22/mo

Returns

Market Rent (all units): $2,641

Your Rental Income: $2,641

Cashflow: $-4,332/mo

Annual: $-51,979/yr

Cash-on-Cash ROI: -80.0%

Cap Rate: 0.5% · DSCR: 0.06x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,332/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: $-3,004/mo (vs $-4,332/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,943/mo — saves $1,389/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,802/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: $-4,332/mo · STR: $-4,802/mo · CoC ROI: -92.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,640/mo

RANGE

$2,640 – $2,640

CONFIDENCE

LOW

N/A

Our estimate $2,640/mo ✅ Inline with market

No comparable rentals found in 98133

Purchase + Close$695,250

Reno Cost$4,132

Holding (6mo)$41,833

Total All-In$741,216

ARV$688,498

Selling Costs 8%$55,080

Flip Profit$-107,798

Flip ROI-195%

📍 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	$3,108	+$9,322	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

$4,132

VALUE ADDED

+$13,498

OVERALL ROI

327%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (327%)
• Negative cashflow ($-4,332/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,332/mo)
• High cash requirement ($65,017)

🛡 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

▶

12805 64th Ave S Single

Jacksonville, FL 98178 · 3bd/2.0ba · 1,040sf · Built 1955

$500,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $17,500

Loan Amount: $490,944

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: $150.00

HOA: $0.00

Maint + CapEx: $583.34

Vacancy + Mgmt: $307.06

Total: $5,291.00/mo

Returns

Market Rent (all units): $2,362

Your Rental Income: $2,362

Cashflow: $-2,929/mo

Annual: $-35,147/yr

Cash-on-Cash ROI: -82.1%

Cap Rate: 1.2% · DSCR: 0.15x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,929/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: $-1,907/mo (vs $-2,929/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,861/mo — saves $1,068/mo.

👥 Rent by Room

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

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-3,360/mo

STR vs LTR

-62%

BREAKEVEN OCC

95%

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: $-2,929/mo · STR: $-3,360/mo · CoC ROI: -92.0%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,362/mo

RANGE

$2,362 – $2,362

CONFIDENCE

LOW

N/A

Our estimate $2,362/mo ✅ Inline with market

No comparable rentals found in 98178

Purchase + Close$515,000

Reno Cost$84,239

Holding (6mo)$31,746

Total All-In$630,985

ARV$641,984

Selling Costs 8%$51,359

Flip Profit$-40,360

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 ~71 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$9,880	+$10,868	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

$84,239

VALUE ADDED

+$141,984

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$57,745)
• Excellent reno ROI (168%)
• Older build (1955) — high value-add potential
• Negative cashflow ($-2,929/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,929/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

▶

12715 35th Ave NE Unit A Single

Jacksonville, FL 98125 · 3bd/2.5ba · 1,450sf · Built 1996

$585,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $20,475

Loan Amount: $574,404

Fees / MIP: $9,879

Closing Costs: $17,550

Reserves (3mo): $12,068

Total Cash Needed: $50,093

Monthly Expenses

Mortgage P&I+MIP: $4,022.58

Property Tax: $950.62

Insurance: $193.33

HOA: $0.00

Maint + CapEx: $682.50

Vacancy + Mgmt: $356.33

Total: $6,205.36/mo

Returns

Market Rent (all units): $2,741

Your Rental Income: $2,741

Cashflow: $-3,464/mo

Annual: $-41,573/yr

Cash-on-Cash ROI: -83.0%

Cap Rate: 1.1% · DSCR: 0.14x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,464/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: $-2,268/mo (vs $-3,464/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,215/mo — saves $1,249/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,144/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: $-3,464/mo · STR: $-4,144/mo · CoC ROI: -100.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,740/mo

RANGE

$2,740 – $2,740

CONFIDENCE

LOW

N/A

Our estimate $2,740/mo ✅ Inline with market

No comparable rentals found in 98125

Purchase + Close$602,550

Reno Cost$54,562

Holding (6mo)$37,232

Total All-In$694,345

ARV$691,892

Selling Costs 8%$55,351

Flip Profit$-57,804

Flip ROI-62%

📍 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 ~30 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	$3,988	+$11,962	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 ~30 yrs, replacement likely before or shortly after purchase.
HIGH	Door/Cabinet Hardware	$475	+$1,425	300%
📌 Matte black or brushed nickel hardware instantly modernizes a space for under $500 — biggest visual impact per dollar.

RENO COST

$54,562

VALUE ADDED

+$106,892

OVERALL ROI

196%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$52,330)
• Excellent reno ROI (196%)
• Aging property (1996) — renovation upside
• Negative cashflow ($-3,464/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,464/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

▶

9236 Interlake Ave N Unit B Single

Jacksonville, FL 98103 · 3bd/3.5ba · 1,430sf · Built 2003

$645,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $22,575

Loan Amount: $633,317

Fees / MIP: $10,892

Closing Costs: $19,350

Reserves (3mo): $13,305

Total Cash Needed: $55,230

Monthly Expenses

Mortgage P&I+MIP: $4,435.15

Property Tax: $1,048.12

Insurance: $190.67

HOA: $0.00

Maint + CapEx: $752.50

Vacancy + Mgmt: $364.34

Total: $6,790.79/mo

Returns

Market Rent (all units): $2,803

Your Rental Income: $2,803

Cashflow: $-3,988/mo

Annual: $-47,858/yr

Cash-on-Cash ROI: -86.7%

Cap Rate: 0.8% · DSCR: 0.10x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,988/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: $-2,669/mo (vs $-3,988/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,611/mo — saves $1,378/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,650/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: $-3,988/mo · STR: $-4,650/mo · CoC ROI: -104.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,802/mo

RANGE

$2,802 – $2,802

CONFIDENCE

LOW

N/A

Our estimate $2,802/mo ✅ Inline with market

No comparable rentals found in 98103

Purchase + Close$664,350

Reno Cost$59,362

Holding (6mo)$40,745

Total All-In$764,457

ARV$760,562

Selling Costs 8%$60,845

Flip Profit$-64,740

Flip ROI-64%

📍 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	$3,932	+$11,798	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

$59,362

VALUE ADDED

+$115,562

OVERALL ROI

195%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$56,200)
• Excellent reno ROI (195%)
• Negative cashflow ($-3,988/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,988/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

▶

12512 35th Ave NE Unit B Single

Jacksonville, FL 98125 · 3bd/2.5ba · 1,317sf · Built 2025

$599,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $20,965

Loan Amount: $588,151

Fees / MIP: $10,116

Closing Costs: $17,970

Reserves (3mo): $12,357

Total Cash Needed: $51,292

Monthly Expenses

Mortgage P&I+MIP: $4,118.84

Property Tax: $973.38

Insurance: $175.60

HOA: $75.00

Maint + CapEx: $698.84

Vacancy + Mgmt: $347.10

Total: $6,388.75/mo

Returns

Market Rent (all units): $2,670

Your Rental Income: $2,670

Cashflow: $-3,719/mo

Annual: $-44,625/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 $-3,719/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: $-2,494/mo (vs $-3,719/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,439/mo — saves $1,279/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,313/mo

STR vs LTR

-68%

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: $-3,719/mo · STR: $-4,313/mo · CoC ROI: -102.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,670/mo

RANGE

$2,670 – $2,670

CONFIDENCE

LOW

N/A

Our estimate $2,670/mo ✅ Inline with market

No comparable rentals found in 98125

Purchase + Close$616,970

Reno Cost$4,647

Holding (6mo)$38,332

Total All-In$659,949

ARV$614,040

Selling Costs 8%$49,123

Flip Profit$-95,032

Flip ROI-218%

📍 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	$3,622	+$10,865	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

$4,647

VALUE ADDED

+$15,040

OVERALL ROI

324%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (324%)
• Negative cashflow ($-3,719/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,719/mo)

🛡 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

▶

3918 S Juneau St Single

Jacksonville, FL 98118 · 3bd/2.0ba · 1,122sf · Built 2026

$649,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $22,715

Loan Amount: $637,245

Fees / MIP: $10,960

Closing Costs: $19,470

Reserves (3mo): $13,388

Total Cash Needed: $55,573

Monthly Expenses

Mortgage P&I+MIP: $4,462.66

Property Tax: $1,054.62

Insurance: $150.00

HOA: $48.00

Maint + CapEx: $757.16

Vacancy + Mgmt: $348.58

Total: $6,821.03/mo

Returns

Market Rent (all units): $2,681

Your Rental Income: $2,681

Cashflow: $-4,140/mo

Annual: $-49,676/yr

Cash-on-Cash ROI: -89.4%

Cap Rate: 0.6% · DSCR: 0.07x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,140/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: $-2,813/mo (vs $-4,140/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,754/mo — saves $1,386/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,675/mo

STR vs LTR

-67%

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: $-4,140/mo · STR: $-4,675/mo · CoC ROI: -104.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,681/mo

RANGE

$2,681 – $2,681

CONFIDENCE

LOW

N/A

Our estimate $2,681/mo ✅ Inline with market

No comparable rentals found in 98118

Purchase + Close$668,470

Reno Cost$4,110

Holding (6mo)$40,926

Total All-In$713,507

ARV$662,432

Selling Costs 8%$52,995

Flip Profit$-104,070

Flip ROI-225%

📍 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	$3,086	+$9,256	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

$4,110

VALUE ADDED

+$13,432

OVERALL ROI

327%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (327%)
• Negative cashflow ($-4,140/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,140/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

$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: $198.40

HOA: $0.00

Maint + CapEx: $729.11

Vacancy + Mgmt: $333.71

Total: $6,574.04/mo

Returns

Market Rent (all units): $2,567

Your Rental Income: $2,567

Cashflow: $-4,007/mo

Annual: $-48,085/yr

Cash-on-Cash ROI: -89.9%

Cap Rate: 0.6% · DSCR: 0.07x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,007/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: $-2,729/mo (vs $-4,007/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,672/mo — saves $1,335/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,791/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: $-4,007/mo · STR: $-4,791/mo · CoC ROI: -114.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,566/mo

RANGE

$2,566 – $2,566

CONFIDENCE

LOW

N/A

Our estimate $2,566/mo ✅ Inline with market

No comparable rentals found in 98108

Purchase + Close$643,698

Reno Cost$9,167

Holding (6mo)$39,444

Total All-In$692,310

ARV$654,001

Selling Costs 8%$52,320

Flip Profit$-90,629

Flip ROI-182%

📍 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 ($-4,007/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,007/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

▶

1207 SW cambridge St Single

Jacksonville, FL 98106 · 3bd/1.0ba · 980sf · Built 1922

$615,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $21,525

Loan Amount: $603,861

Fees / MIP: $10,386

Closing Costs: $18,450

Reserves (3mo): $12,687

Total Cash Needed: $52,662

Monthly Expenses

Mortgage P&I+MIP: $4,228.86

Property Tax: $999.38

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $717.50

Vacancy + Mgmt: $320.57

Total: $6,416.30/mo

Returns

Market Rent (all units): $2,466

Your Rental Income: $2,466

Cashflow: $-3,950/mo

Annual: $-47,405/yr

Cash-on-Cash ROI: -90.0%

Cap Rate: 0.5% · DSCR: 0.07x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,950/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: $-2,693/mo (vs $-3,950/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,637/mo — saves $1,313/mo.

👥 Rent by Room

Rent 3 rooms at ~$900/room = $2,700/mo. Projected cashflow: $-3,716/mo.

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

AVG NIGHTLY

$230

OCCUPANCY

53%

GROSS / MO

$3,657

STR CASHFLOW

$-4,338/mo

STR vs LTR

-64%

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: $-3,950/mo · STR: $-4,338/mo · CoC ROI: -101.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,465/mo

RANGE

$2,465 – $2,465

CONFIDENCE

LOW

N/A

Our estimate $2,465/mo ✅ Inline with market

No comparable rentals found in 98106

Purchase + Close$633,450

Reno Cost$77,493

Holding (6mo)$38,498

Total All-In$749,441

ARV$745,250

Selling Costs 8%$59,620

Flip Profit$-63,810

Flip ROI-54%

📍 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 ~104 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	$9,310	+$10,241	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

$77,493

VALUE ADDED

+$130,250

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$52,758)
• Excellent reno ROI (168%)
• Older build (1922) — high value-add potential
• Negative cashflow ($-3,950/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,950/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

▶

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

▶

4004 Courtland Pl S Single

Jacksonville, FL 98118 · 2bd/2.5ba · 1,000sf · Built 2026

$550,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $19,250

Loan Amount: $540,038

Fees / MIP: $9,288

Closing Costs: $16,500

Reserves (3mo): $11,346

Total Cash Needed: $47,096

Monthly Expenses

Mortgage P&I+MIP: $3,781.91

Property Tax: $893.75

Insurance: $150.00

HOA: $48.00

Maint + CapEx: $641.66

Vacancy + Mgmt: $288.44

Total: $5,803.76/mo

Returns

Market Rent (all units): $2,219

Your Rental Income: $2,219

Cashflow: $-3,585/mo

Annual: $-43,020/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 $-3,585/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: $-2,460/mo (vs $-3,585/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,410/mo — saves $1,175/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,134/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: $-3,585/mo · STR: $-4,134/mo · CoC ROI: -109.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,218/mo

RANGE

$2,218 – $2,218

CONFIDENCE

LOW

N/A

Our estimate $2,218/mo ✅ Inline with market

No comparable rentals found in 98118

Purchase + Close$566,500

Reno Cost$3,775

Holding (6mo)$34,823

Total All-In$605,098

ARV$562,425

Selling Costs 8%$44,994

Flip Profit$-87,667

Flip ROI-222%

📍 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	$2,750	+$8,250	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

$3,775

VALUE ADDED

+$12,425

OVERALL ROI

329%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (329%)
• Negative cashflow ($-3,585/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,585/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

▶

2363 S McClellan St Single

Jacksonville, FL 98144 · 2bd/2.5ba · 1,480sf · Built 2007

$617,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $21,595

Loan Amount: $605,825

Fees / MIP: $10,420

Closing Costs: $18,510

Reserves (3mo): $12,728

Total Cash Needed: $52,833

Monthly Expenses

Mortgage P&I+MIP: $4,242.61

Property Tax: $1,002.62

Insurance: $197.33

HOA: $130.00

Maint + CapEx: $719.84

Vacancy + Mgmt: $331.72

Total: $6,624.12/mo

Returns

Market Rent (all units): $2,552

Your Rental Income: $2,552

Cashflow: $-4,072/mo

Annual: $-48,869/yr

Cash-on-Cash ROI: -92.5%

Cap Rate: 0.3% · DSCR: 0.04x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,072/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: $-2,811/mo (vs $-4,072/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,755/mo — saves $1,318/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,852/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: $-4,072/mo · STR: $-4,852/mo · CoC ROI: -117.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,551/mo

RANGE

$2,551 – $2,551

CONFIDENCE

LOW

N/A

Our estimate $2,551/mo ✅ Inline with market

No comparable rentals found in 98144

Purchase + Close$635,510

Reno Cost$54,825

Holding (6mo)$39,745

Total All-In$730,080

ARV$724,482

Selling Costs 8%$57,959

Flip Profit$-63,556

Flip ROI-67%

📍 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	$4,070	+$12,210	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

$54,825

VALUE ADDED

+$107,482

OVERALL ROI

196%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$52,657)
• Excellent reno ROI (196%)
• Negative cashflow ($-4,072/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,072/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

▶

5720 37th Ave S Single

Jacksonville, FL 98118 · 2bd/1.0ba · 740sf · Built 1952

$499,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $17,496

Loan Amount: $490,846

Fees / MIP: $8,442

Closing Costs: $14,997

Reserves (3mo): $10,312

Total Cash Needed: $42,806

Monthly Expenses

Mortgage P&I+MIP: $3,437.41

Property Tax: $812.34

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $583.21

Vacancy + Mgmt: $248.72

Total: $5,231.68/mo

Returns

Market Rent (all units): $1,913

Your Rental Income: $1,913

Cashflow: $-3,318/mo

Annual: $-39,822/yr

Cash-on-Cash ROI: -93.0%

Cap Rate: 0.3% · DSCR: 0.03x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,318/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: $-2,296/mo (vs $-3,318/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,251/mo — saves $1,068/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-3,660/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: $-3,318/mo · STR: $-3,660/mo · CoC ROI: -104.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,913/mo

RANGE

$1,913 – $1,913

CONFIDENCE

LOW

N/A

Our estimate $1,913/mo ✅ Inline with market

No comparable rentals found in 98118

Purchase + Close$514,897

Reno Cost$72,609

Holding (6mo)$31,390

Total All-In$618,896

ARV$621,666

Selling Costs 8%$49,733

Flip Profit$-46,963

Flip ROI-45%

📍 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 ~74 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	$7,030	+$7,733	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

$72,609

VALUE ADDED

+$121,766

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$49,158)
• Excellent reno ROI (168%)
• Older build (1952) — high value-add potential
• Negative cashflow ($-3,318/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,318/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

▶

7912 34th Ave SW Unit B Single

Jacksonville, FL 98126 · 2bd/2.0ba · 1,091sf · Built 2026

$599,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $20,965

Loan Amount: $588,151

Fees / MIP: $10,116

Closing Costs: $17,970

Reserves (3mo): $12,357

Total Cash Needed: $51,292

Monthly Expenses

Mortgage P&I+MIP: $4,118.84

Property Tax: $973.38

Insurance: $150.00

HOA: $15.00

Maint + CapEx: $698.84

Vacancy + Mgmt: $295.17

Total: $6,251.21/mo

Returns

Market Rent (all units): $2,271

Your Rental Income: $2,271

Cashflow: $-3,981/mo

Annual: $-47,768/yr

Cash-on-Cash ROI: -93.1%

Cap Rate: 0.3% · DSCR: 0.03x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,981/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: $-2,756/mo (vs $-3,981/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,701/mo — saves $1,279/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,518/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: $-3,981/mo · STR: $-4,518/mo · CoC ROI: -112.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,270/mo

RANGE

$2,270 – $2,270

CONFIDENCE

LOW

N/A

Our estimate $2,270/mo ✅ Inline with market

No comparable rentals found in 98126

Purchase + Close$616,970

Reno Cost$4,025

Holding (6mo)$37,507

Total All-In$658,503

ARV$612,176

Selling Costs 8%$48,974

Flip Profit$-95,301

Flip ROI-222%

📍 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	$3,000	+$9,001	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

$4,025

VALUE ADDED

+$13,176

OVERALL ROI

327%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (327%)
• Negative cashflow ($-3,981/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,981/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

▶

9223 B Densmore Ave N Single

Jacksonville, FL 98103 · 2bd/1.0ba · 685sf · Built 2026

$449,900
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,746

Loan Amount: $441,751

Fees / MIP: $7,598

Closing Costs: $13,497

Reserves (3mo): $9,281

Total Cash Needed: $38,524

Monthly Expenses

Mortgage P&I+MIP: $3,093.61

Property Tax: $731.09

Insurance: $150.00

HOA: $70.00

Maint + CapEx: $524.89

Vacancy + Mgmt: $235.84

Total: $4,805.42/mo

Returns

Market Rent (all units): $1,814

Your Rental Income: $1,814

Cashflow: $-2,991/mo

Annual: $-35,895/yr

Cash-on-Cash ROI: -93.2%

Cap Rate: 0.3% · DSCR: 0.03x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,991/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: $-2,071/mo (vs $-2,991/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,030/mo — saves $961/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-3,305/mo

STR vs LTR

-68%

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: $-2,991/mo · STR: $-3,305/mo · CoC ROI: -102.6%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,814/mo

RANGE

$1,814 – $1,814

CONFIDENCE

LOW

N/A

Our estimate $1,814/mo ✅ Inline with market

No comparable rentals found in 98103

Purchase + Close$463,397

Reno Cost$2,909

Holding (6mo)$28,833

Total All-In$495,138

ARV$459,726

Selling Costs 8%$36,778

Flip Profit$-72,190

Flip ROI-225%

📍 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	$1,884	+$5,651	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

$2,909

VALUE ADDED

+$9,826

OVERALL ROI

338%

🔨 FIX & FLIP High Confidence

• Excellent reno ROI (338%)
• Negative cashflow ($-2,991/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,991/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

▶

1900 Westlake Ave N Unit B7 Single

Jacksonville, FL 98109 · 1bd/1.0ba · 480sf · Built 1992

$375,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $13,125

Loan Amount: $368,208

Fees / MIP: $6,333

Closing Costs: $11,250

Reserves (3mo): $7,736

Total Cash Needed: $32,111

Monthly Expenses

Mortgage P&I+MIP: $2,578.58

Property Tax: $609.38

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $437.50

Vacancy + Mgmt: $186.47

Total: $3,961.93/mo

Returns

Market Rent (all units): $1,434

Your Rental Income: $1,434

Cashflow: $-2,528/mo

Annual: $-30,330/yr

Cash-on-Cash ROI: -94.5%

Cap Rate: 0.2% · DSCR: 0.02x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,528/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: $-1,761/mo (vs $-2,528/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,727/mo — saves $801/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,878/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: $-2,528/mo · STR: $-2,878/mo · CoC ROI: -108.5%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,434/mo

RANGE

$1,434 – $1,434

CONFIDENCE

LOW

N/A

Our estimate $1,434/mo ✅ Inline with market

No comparable rentals found in 98109

Purchase + Close$386,250

Reno Cost$50,358

Holding (6mo)$23,772

Total All-In$460,380

ARV$467,560

Selling Costs 8%$37,405

Flip Profit$-30,225

Flip ROI-40%

📍 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 ~34 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	$1,320	+$3,960	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

$50,358

VALUE ADDED

+$92,560

OVERALL ROI

184%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$42,202)
• Excellent reno ROI (184%)
• Aging property (1992) — renovation upside
• Negative cashflow ($-2,528/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,528/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

▶

7915 18th Ave SW Single

Jacksonville, FL 98106 · 2bd/1.0ba · 770sf · Built 1948

$599,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $20,965

Loan Amount: $588,151

Fees / MIP: $10,116

Closing Costs: $17,970

Reserves (3mo): $12,357

Total Cash Needed: $51,292

Monthly Expenses

Mortgage P&I+MIP: $4,118.84

Property Tax: $973.38

Insurance: $150.00

HOA: $0.00

Maint + CapEx: $698.84

Vacancy + Mgmt: $267.41

Total: $6,208.46/mo

Returns

Market Rent (all units): $2,057

Your Rental Income: $2,057

Cashflow: $-4,151/mo

Annual: $-49,817/yr

Cash-on-Cash ROI: -97.1%

Cap Rate: -0.1% · DSCR: -0.01x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,151/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: $-2,927/mo (vs $-4,151/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,872/mo — saves $1,279/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,503/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: $-4,151/mo · STR: $-4,503/mo · CoC ROI: -111.8%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,057/mo

RANGE

$2,057 – $2,057

CONFIDENCE

LOW

N/A

Our estimate $2,057/mo ✅ Inline with market

No comparable rentals found in 98106

Purchase + Close$616,970

Reno Cost$73,220

Holding (6mo)$37,251

Total All-In$727,440

ARV$721,827

Selling Costs 8%$57,746

Flip Profit$-63,359

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 ~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	$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 (+$49,608)
• Excellent reno ROI (168%)
• Older build (1948) — high value-add potential
• Negative cashflow ($-4,151/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,151/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

▶

6920 California Ave SW #11 Single

Jacksonville, FL 98136 · 2bd/2.0ba · 1,382sf · Built 1987

$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: $184.27

HOA: $590.00

Maint + CapEx: $582.16

Vacancy + Mgmt: $316.65

Total: $5,915.18/mo

Returns

Market Rent (all units): $2,436

Your Rental Income: $2,436

Cashflow: $-3,479/mo

Annual: $-41,753/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 $-3,479/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: $-2,459/mo (vs $-3,479/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,414/mo — saves $1,066/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,290/mo

STR vs LTR

-78%

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: $-3,479/mo · STR: $-4,290/mo · CoC ROI: -123.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,435/mo

RANGE

$2,435 – $2,435

CONFIDENCE

LOW

N/A

Our estimate $2,435/mo ✅ Inline with market

No comparable rentals found in 98136

Purchase + Close$513,970

Reno Cost$65,670

Holding (6mo)$35,491

Total All-In$615,131

ARV$623,632

Selling Costs 8%$49,891

Flip Profit$-41,390

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 ~39 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	$3,800	+$11,402	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

$65,670

VALUE ADDED

+$124,632

OVERALL ROI

190%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$58,962)
• Excellent reno ROI (190%)
• Aging property (1987) — renovation upside
• Negative cashflow ($-3,479/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,479/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

▶

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

▶

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: $285.33

Total: $6,602.26/mo

Returns

Market Rent (all units): $2,195

Your Rental Income: $2,195

Cashflow: $-4,407/mo

Annual: $-52,889/yr

Cash-on-Cash ROI: -98.8%

Cap Rate: -0.2% · DSCR: -0.03x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-4,407/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: $-3,130/mo (vs $-4,407/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-3,073/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

-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: $-4,407/mo · STR: $-4,848/mo · CoC ROI: -116.3%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,194/mo

RANGE

$2,194 – $2,194

CONFIDENCE

LOW

N/A

Our estimate $2,194/mo ✅ Inline with market

No comparable rentals found in 98117

Purchase + Close$643,698

Reno Cost$3,335

Holding (6mo)$39,614

Total All-In$686,647

ARV$636,055

Selling Costs 8%$50,884

Flip Profit$-101,476

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 ($-4,407/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-4,407/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

▶

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

▶

2960 Eastlake Ave E #213 Single

Jacksonville, FL 98102 · 1bd/1.0ba · 718sf · Built 2008

$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: $389.00

Maint + CapEx: $464.34

Vacancy + Mgmt: $217.31

Total: $4,604.13/mo

Returns

Market Rent (all units): $1,672

Your Rental Income: $1,672

Cashflow: $-2,932/mo

Annual: $-35,189/yr

Cash-on-Cash ROI: -103.2%

Cap Rate: -0.6% · DSCR: -0.07x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,932/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: $-2,119/mo (vs $-2,932/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,082/mo — saves $850/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-3,463/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: $-2,932/mo · STR: $-3,463/mo · CoC ROI: -124.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,671/mo

RANGE

$1,671 – $1,671

CONFIDENCE

LOW

N/A

Our estimate $1,671/mo ✅ Inline with market

No comparable rentals found in 98102

Purchase + Close$409,940

Reno Cost$35,682

Holding (6mo)$27,625

Total All-In$473,247

ARV$471,696

Selling Costs 8%$37,736

Flip Profit$-39,287

Flip ROI-64%

📍 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	$1,974	+$5,924	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)	$4,308	+$8,185	190%
📌 Waterproof LVP is ideal for Miami's humidity and withstands tenant use — low maintenance, 25-yr lifespan.

RENO COST

$35,682

VALUE ADDED

+$73,696

OVERALL ROI

206%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$38,014)
• Excellent reno ROI (206%)
• Negative cashflow ($-2,932/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,932/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

▶

4545 Sand Point Way NE #302 Single

Jacksonville, FL 98105 · 2bd/1.0ba · 1,191sf · Built 1968

$439,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $15,365

Loan Amount: $431,049

Fees / MIP: $7,414

Closing Costs: $13,170

Reserves (3mo): $9,056

Total Cash Needed: $37,591

Monthly Expenses

Mortgage P&I+MIP: $3,018.66

Property Tax: $713.38

Insurance: $158.80

HOA: $818.00

Maint + CapEx: $512.16

Vacancy + Mgmt: $288.65

Total: $5,509.65/mo

Returns

Market Rent (all units): $2,220

Your Rental Income: $2,220

Cashflow: $-3,289/mo

Annual: $-39,471/yr

Cash-on-Cash ROI: -105.0%

Cap Rate: -0.7% · DSCR: -0.09x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,289/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: $-2,392/mo (vs $-3,289/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,352/mo — saves $938/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-3,973/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: $-3,289/mo · STR: $-3,973/mo · CoC ROI: -125.7%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,220/mo

RANGE

$2,220 – $2,220

CONFIDENCE

LOW

N/A

Our estimate $2,220/mo ✅ Inline with market

No comparable rentals found in 98105

Purchase + Close$452,170

Reno Cost$81,787

Holding (6mo)$33,058

Total All-In$567,015

ARV$576,709

Selling Costs 8%$46,137

Flip Profit$-36,442

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 ~58 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$11,314	+$12,446	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

$81,787

VALUE ADDED

+$137,709

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$55,922)
• Excellent reno ROI (168%)
• Older build (1968) — high value-add potential
• Negative cashflow ($-3,289/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,289/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

▶

4528 8th Ave NE Unit 3C Single

Jacksonville, FL 98105 · 2bd/2.0ba · 1,026sf · Built 1996

$499,950
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $17,498

Loan Amount: $490,895

Fees / MIP: $8,443

Closing Costs: $14,998

Reserves (3mo): $10,313

Total Cash Needed: $42,810

Monthly Expenses

Mortgage P&I+MIP: $3,437.75

Property Tax: $812.42

Insurance: $150.00

HOA: $751.00

Maint + CapEx: $583.27

Vacancy + Mgmt: $282.79

Total: $6,017.23/mo

Returns

Market Rent (all units): $2,175

Your Rental Income: $2,175

Cashflow: $-3,842/mo

Annual: $-46,103/yr

Cash-on-Cash ROI: -107.7%

Cap Rate: -1.0% · DSCR: -0.12x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,842/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: $-2,820/mo (vs $-3,842/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,774/mo — saves $1,068/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-4,411/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: $-3,842/mo · STR: $-4,411/mo · CoC ROI: -126.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,175/mo

RANGE

$2,175 – $2,175

CONFIDENCE

LOW

N/A

Our estimate $2,175/mo ✅ Inline with market

No comparable rentals found in 98105

Purchase + Close$514,948

Reno Cost$50,852

Holding (6mo)$36,103

Total All-In$601,904

ARV$598,511

Selling Costs 8%$47,881

Flip Profit$-51,274

Flip ROI-62%

📍 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 ~30 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	$2,822	+$8,464	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 ~30 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

$50,852

VALUE ADDED

+$98,561

OVERALL ROI

194%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$47,708)
• Excellent reno ROI (194%)
• Aging property (1996) — renovation upside
• Negative cashflow ($-3,842/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,842/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

▶

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

▶

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

▶

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

▶

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

▶

1414 12th Ave #205 Single

Jacksonville, FL 98122 · 1bd/1.0ba · 653sf · Built 2007

$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: $653.00

Maint + CapEx: $379.16

Vacancy + Mgmt: $199.24

Total: $4,144.30/mo

Returns

Market Rent (all units): $1,533

Your Rental Income: $1,533

Cashflow: $-2,612/mo

Annual: $-31,340/yr

Cash-on-Cash ROI: -112.6%

Cap Rate: -1.4% · DSCR: -0.17x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,612/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: $-1,947/mo (vs $-2,612/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,918/mo — saves $694/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-3,106/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: $-2,612/mo · STR: $-3,106/mo · CoC ROI: -130.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,532/mo

RANGE

$1,532 – $1,532

CONFIDENCE

LOW

N/A

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

No comparable rentals found in 98122

Purchase + Close$334,750

Reno Cost$42,614

Holding (6mo)$24,866

Total All-In$402,230

ARV$407,169

Selling Costs 8%$32,574

Flip Profit$-27,634

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 ~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	$1,796	+$5,387	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

$42,614

VALUE ADDED

+$82,169

OVERALL ROI

193%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$39,555)
• Excellent reno ROI (193%)
• Negative cashflow ($-2,612/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,612/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

▶

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

▶

1136 13th Ave #305 Single

Jacksonville, FL 98122 · 1bd/1.0ba · 660sf · Built 1924

$293,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $10,255

Loan Amount: $287,693

Fees / MIP: $4,948

Closing Costs: $8,790

Reserves (3mo): $6,044

Total Cash Needed: $25,089

Monthly Expenses

Mortgage P&I+MIP: $2,014.73

Property Tax: $476.12

Insurance: $150.00

HOA: $731.00

Maint + CapEx: $341.84

Vacancy + Mgmt: $194.71

Total: $3,908.40/mo

Returns

Market Rent (all units): $1,498

Your Rental Income: $1,498

Cashflow: $-2,411/mo

Annual: $-28,927/yr

Cash-on-Cash ROI: -115.3%

Cap Rate: -1.6% · DSCR: -0.20x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-2,411/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: $-1,811/mo (vs $-2,411/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-1,785/mo — saves $626/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-2,912/mo

STR vs LTR

-79%

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: $-2,411/mo · STR: $-2,912/mo · CoC ROI: -131.9%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,497/mo

RANGE

$1,497 – $1,497

CONFIDENCE

LOW

N/A

Our estimate $1,497/mo ✅ Inline with market

No comparable rentals found in 98122

Purchase + Close$301,790

Reno Cost$70,981

Holding (6mo)$23,450

Total All-In$396,221

ARV$411,938

Selling Costs 8%$32,955

Flip Profit$-17,238

Flip ROI-19%

📍 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	$6,270	+$6,897	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

$70,981

VALUE ADDED

+$118,938

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$47,958)
• Excellent reno ROI (168%)
• Older build (1924) — high value-add potential
• Negative cashflow ($-2,411/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-2,411/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

▶

2911 2nd Ave #811 Single

Jacksonville, FL 98121 · 1bd/1.0ba · 603sf · Built 2009

$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: $150.00

HOA: $692.00

Maint + CapEx: $431.66

Vacancy + Mgmt: $201.78

Total: $4,620.90/mo

Returns

Market Rent (all units): $1,552

Your Rental Income: $1,552

Cashflow: $-3,069/mo

Annual: $-36,825/yr

Cash-on-Cash ROI: -116.2%

Cap Rate: -1.7% · DSCR: -0.21x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,069/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: $-2,312/mo (vs $-3,069/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,279/mo — saves $790/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-3,528/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: $-3,069/mo · STR: $-3,528/mo · CoC ROI: -134.4%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,552/mo

RANGE

$1,552 – $1,552

CONFIDENCE

LOW

N/A

Our estimate $1,552/mo ✅ Inline with market

No comparable rentals found in 98121

Purchase + Close$381,100

Reno Cost$34,676

Holding (6mo)$27,725

Total All-In$443,502

ARV$441,436

Selling Costs 8%$35,315

Flip Profit$-37,380

Flip ROI-64%

📍 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	$1,658	+$4,975	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 ~17 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)	$3,618	+$6,874	190%
📌 Waterproof LVP is ideal for Miami's humidity and withstands tenant use — low maintenance, 25-yr lifespan.

RENO COST

$34,676

VALUE ADDED

+$71,436

OVERALL ROI

206%

🔨 FIX & FLIP High Confidence

• Decent forced equity (+$36,760)
• Excellent reno ROI (206%)
• Negative cashflow ($-3,069/mo) — poor rental hold
• Low cap rate area — better flip than hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,069/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

▶

521 5th Ave W #306 Single

Jacksonville, FL 98119 · 1bd/1.0ba · 888sf · Built 1963

$425,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $14,875

Loan Amount: $417,302

Fees / MIP: $7,177

Closing Costs: $12,750

Reserves (3mo): $8,767

Total Cash Needed: $36,392

Monthly Expenses

Mortgage P&I+MIP: $2,922.38

Property Tax: $690.62

Insurance: $150.00

HOA: $880.00

Maint + CapEx: $495.84

Vacancy + Mgmt: $237.95

Total: $5,376.79/mo

Returns

Market Rent (all units): $1,830

Your Rental Income: $1,830

Cashflow: $-3,546/mo

Annual: $-42,557/yr

Cash-on-Cash ROI: -116.9%

Cap Rate: -1.8% · DSCR: -0.21x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-3,546/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: $-2,677/mo (vs $-3,546/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-2,639/mo — saves $908/mo.

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

AVG NIGHTLY

$120

OCCUPANCY

60%

GROSS / MO

$2,160

STR CASHFLOW

$-4,183/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: $-3,546/mo · STR: $-4,183/mo · CoC ROI: -143.1%

🏠 RENTAL COMPS

AVG MARKET RENT

$1,830/mo

RANGE

$1,830 – $1,830

CONFIDENCE

LOW

N/A

Our estimate $1,830/mo ✅ Inline with market

No comparable rentals found in 98119

Purchase + Close$437,750

Reno Cost$75,621

Holding (6mo)$32,261

Total All-In$545,632

ARV$551,998

Selling Costs 8%$44,160

Flip Profit$-37,793

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 ~63 yrs old. Miami A/C units last 15–20 yrs — replacement is near-certain before or during ownership.
CRIT	Electrical Panel Upgrade	$4,500	+$5,400	120%
📌 Pre-1995 panels often fail FHA/VA inspection. Many lenders require upgrade before closing — budget this before making an offer.
CRIT	Full Re-Pipe	$9,000	+$9,900	110%
📌 Galvanized pipes (common pre-1980) corrode from inside, reducing water pressure and risking burst pipes. PEX re-pipe adds 30+ yrs.
CRIT	Full Roof Replacement	$8,436	+$9,280	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

$75,621

VALUE ADDED

+$126,998

OVERALL ROI

168%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$51,378)
• Excellent reno ROI (168%)
• Older build (1963) — high value-add potential
• Negative cashflow ($-3,546/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-3,546/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

▶

8001 Sand Point Way NE Unit C47 Single

Jacksonville, FL 98115 · 2bd/2.0ba · 1,353sf · Built 1974

$645,000
Asking Price

📄 Offer Letter 🏠 View Listing

—

RATE %

DOWN %

3.5% down, great for first-time buyers

Down Payment: $22,575

Loan Amount: $633,317

Fees / MIP: $10,892

Closing Costs: $19,350

Reserves (3mo): $13,305

Total Cash Needed: $55,230

Monthly Expenses

Mortgage P&I+MIP: $4,435.15

Property Tax: $1,048.12

Insurance: $180.40

HOA: $1,231.00

Maint + CapEx: $752.50

Vacancy + Mgmt: $337.61

Total: $7,984.78/mo

Returns

Market Rent (all units): $2,597

Your Rental Income: $2,597

Cashflow: $-5,388/mo

Annual: $-64,654/yr

Cash-on-Cash ROI: -117.1%

Cap Rate: -1.8% · DSCR: -0.21x

💡 CREATIVE FINANCING — HOW TO MAKE THIS DEAL WORK

This property shows $-5,388/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: $-4,069/mo (vs $-5,388/mo conventional).

💰 DSCR Loan (25% Down)

Higher down payment, lower rate (6.5%). Projected cashflow: $-4,010/mo — saves $1,378/mo.

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

AVG NIGHTLY

$170

OCCUPANCY

57%

GROSS / MO

$2,907

STR CASHFLOW

$-6,167/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: $-5,388/mo · STR: $-6,167/mo · CoC ROI: -144.2%

🏠 RENTAL COMPS

AVG MARKET RENT

$2,596/mo

RANGE

$2,596 – $2,596

CONFIDENCE

LOW

N/A

Our estimate $2,596/mo ✅ Inline with market

No comparable rentals found in 98115

Purchase + Close$664,350

Reno Cost$90,609

Holding (6mo)$47,909

Total All-In$802,867

ARV$798,049

Selling Costs 8%$63,844

Flip Profit$-68,663

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 ~52 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	$12,854	+$14,139	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

$90,609

VALUE ADDED

+$153,049

OVERALL ROI

169%

🔨 FIX & FLIP High Confidence

• Strong forced equity potential (+$62,440)
• Excellent reno ROI (169%)
• Older build (1974) — high value-add potential
• Negative cashflow ($-5,388/mo) — poor rental hold

❌ IS IT WORTH IT?

NO — Walk Away

• Heavy negative cashflow ($-5,388/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 →

Carlos M.4h ago

💾 saved a deal

1331 Brickell Bay Dr #1004

💾 saved 1331 Brickell Bay Dr #1004 — $-5,823/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

8329 Osteen St Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

9822 Harper Village Cir Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

10723 Waterfield Rd Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

12271 Copper Mallard Rd Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

12240 Copper Mallard Pl Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

190 Brazil Nut Cir Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

10721 Waterfield Rd Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

7228 Sabal Ter Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro

🤖 SpillAI ANALYSIS 🔒 Pro

TOP UPGRADES BY ROI

📈 10-YEAR EQUITY PROJECTION

🔨 FIX & FLIP ANALYSIS

182 Brazil Nut Cir Single

Monthly Expenses

Returns

🏠 RENTAL COMPS

📍 NEIGHBORHOOD SCORE 🔒 Pro