0 Indian Ford RdMiltonFL32570
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 0 Indian Ford Rd, Milton, FL, 32570 in Milton the bet is firmly on appreciation. Rental yield 4.65%. The 4.65% gross yield on a $325,000 price is below income-first thresholds, but 5%/yr value growth projects $89,792 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.86) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $66,186.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.0% |
| Monthly Cash Flow | $(897) | $1,200 |
City averages based on Milton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,260 |
| Total Monthly Debt Service | $2,027 |
| DSCR Ratio | 0.62x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2020
20.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32570, Milton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,465 (100%) |
| Owner Occupied HU | 10,483 (67.8%) |
| Renter Occupied HU | 3,830 (24.8%) |
| Vacant Housing Units | 1,152 ( 7.4%) |
| Median Home Value | $326,715 |
| Average Home Value | $354,146 |
Housing Distribution
Address Breakdown
Residential
14,622
Single Family
14,490
Multi-Family
132
Businesses
674
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Manufactured
Built in 2020
20.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32570, Milton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,465 (100%) |
| Owner Occupied HU | 10,483 (67.8%) |
| Renter Occupied HU | 3,830 (24.8%) |
| Vacant Housing Units | 1,152 ( 7.4%) |
| Median Home Value | $326,715 |
| Average Home Value | $354,146 |
Housing Distribution
Address Breakdown
Residential
14,622
Single Family
14,490
Multi-Family
132
Businesses
674
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices