Representative image, not the propertyRepresentative gabled house. Not a Tiki listing. Unsplash contributor. The photographer name is not available without an Unsplash API key, so it is not invented here.. Unsplash License. Source
TR-1016 · Permanent demonstration record
Centre Street Loft
30 Centre Walk #3, Fernandina Beach, FL 32034
$725,000
2 bedrooms · 2 baths · 1,100 sf · built 1920
A small loft above a fictional walk near Centre Street. The beach is across the island.
Centre Street · Fernandina Beach · 32034
City and ZIP names are real Florida places. Property addresses, parcel pins, and ownership histories are fictional. Map markers are approximate demonstration coordinates near the named city, not surveyed parcels.
Tiles © OpenStreetMap contributors. Markers are approximate demonstration coordinates near the named city, not surveyed parcels.
Constructed price path
Simulated history ending at the demonstration price. Not a sale record. As of 2026-10-01.
Ownership screen
Inputs start from the numbers stored on this fictional house. Change them. The results stay in the page.
- Monthly principal and interest
- $3,636
- Monthly housing carry
- $5,032
- NOI, annual
- $20,202
- Debt service, annual
- $43,626
- Cash flow after debt
- −$23,424
- Cap rate
- 2.8%
- Cash on cash
- -14.0%
- Initial cash
- $166,750
- Breakeven rent
- $5,881
NOI is effective income minus tax, insurance, HOA, maintenance, management, and reserves. Principal and interest are not inside NOI. Cash flow subtracts debt service once. Cap rate is NOI divided by price. Cash-on-cash is annual cash flow divided by down payment plus closing costs. Zero interest is allowed and amortizes as straight principal.
| Rate | Occupancy | NOI | Cash flow |
|---|---|---|---|
| 5% | 85% | $17,022 | −$20,340 |
| 5% | 93% | $20,202 | −$17,161 |
| 5% | 100% | $22,984 | −$14,379 |
| 6.42% | 85% | $17,022 | −$26,604 |
| 6.42% | 93% | $20,202 | −$23,424 |
| 6.42% | 100% | $22,984 | −$20,642 |
| 7.5% | 85% | $17,022 | −$31,643 |
| 7.5% | 93% | $20,202 | −$28,463 |
| 7.5% | 100% | $22,984 | −$25,681 |
Buy now or wait
Educational scenarios only. Appreciation and the future rate are numbers you type. They are not a forecast, a guarantee, or personal advice.
Buy now
Equity $298,032
Value $840,474 · balance $542,442 · interest paid $180,573
Wait, then buy
Equity $247,197
Future price $769,153 · rent paid $67,200 · cash out $297,447
Coastal Risk Score 43
Higher means greater illustrative exposure. Not a flood certificate, an insurance rating, or an engineering opinion.
Flood46 × 28% = 12.88
Illustrative exposure to flooding for a demonstration pin near this coast. It is not a FEMA determination, an elevation certificate, or a flood-zone quote.
Storm44 × 22% = 9.68
Illustrative wind and storm exposure for the stretch of coast, not a hurricane model and not an engineering study.
Insurance pressure50 × 20% = 10
A demonstration stand-in for how hard a coastal policy might be to place or price. The dollar insurance line on a listing is also simulated. Neither is a carrier rating.
Sea level38 × 18% = 6.84
Illustrative long-horizon water exposure for the barrier, marsh, or bay setting. Not a survey and not a projection of a parcel.
Setting28 × 12% = 3.36
Whether the demonstration pin sits on the open beach, a dune street, a river, or farther inland. Geography only. It does not describe the people who live there.
Investment Index 63
A weighted reading of this demonstration screen. Not a recommendation to buy.
Yield35 · weight 28%
Cap rate divided by 8 percent, then capped at 100. An 8 percent demonstration cap rate scores 100. This uses the standard long-term screen, not the short-term scenario.
Value99 · weight 18%
Price compared with the city demonstration median. A home at 70 percent of the median scores 100. A home at 150 percent of the median scores 0.
Liquidity83 · weight 16%
Demonstration days on market. 20 days scores 100. 180 days scores 0. This is not an MLS absorption statistic.
Market path62 · weight 18%
The city's constructed one-year median change. Minus 5 percent scores 0. Plus 8 percent scores 100. The path is simulated.
Risk offset57 · weight 20%
100 minus the Coastal Risk Score, so lower illustrative exposure raises the index. It does not reduce physical risk.
House and shore
- Pool
- Impact windows
- Screened porch
- Outdoor shower
Place notes: historic, dining. These describe the shore or the street, not a preferred resident.
Centre Street for an evening, the beach when the day is the point.
Fernandina Beach path
Median price
Simulated illustration · 2026-10-01 · not a market quote