96262 Stoney Creek Pkwy, Unit 108, Fernandina Beach, FL 32034

Fernandina Beach, FL 32034 · 3 bd · 2.5 ba · 1,631 sqft · Townhouse · 32 days on market

The math, in full

Asking price: $274,950
Down payment (15%): $41,243
Loan amount: $233,707
Est. monthly rent: $2,600/mo; Range $2,210 to $2,990/mo
Monthly payment, all-in: $2,259/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.15; $2,600 rent ÷ $2,259 payment
Monthly cashflow: +$341/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 3-bedroom homes in zip 32034, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$41,243

15% down on $274,950

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.