2912 Oleander St, Unit B3, Saint James City, FL 33956

Saint James City, FL 33956 · 2 bd · 2 ba · 1,053 sqft · Condo · 44 days on market

The math, in full

Asking price: $325,900
Down payment (15%): $48,885
Loan amount: $277,015
Est. monthly rent: $3,000/mo; Range $2,550 to $3,450/mo
Monthly payment, all-in: $2,677/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.12; $3,000 rent ÷ $2,677 payment
Monthly cashflow: +$323/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 2-bedroom homes in zip 33956, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$48,885

15% down on $325,900

Your local lender

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Screened against real lending criteria. This one fits 3 programs.
Qualifies on the property's rent, no W-2 or tax returns.
Listing data verified as of July 5, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.