3116 2nd Street Cir, Jacksonville, FL 32254

Jacksonville, FL 32254 · 2 bd · 1 ba · 900 sqft · Single Family · 39 days on market

The math, in full

Asking price: $110,000
Down payment (20%): $22,000
Loan amount: $88,000
Est. monthly rent: $1,100/mo; Range $935 to $1,265/mo
Monthly payment, all-in: $866/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.27; $1,100 rent ÷ $866 payment
Monthly cashflow: +$234/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 2-bedroom homes in zip 32254, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$22,000

20% down on $110,000

Your local lender

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Screened against real lending criteria. This one fits a current program.
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.