0 SE 149th LnUmatillaFL32784
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 0 SE 149th Ln, Umatilla, FL, 32784 in Umatilla hard to pass up. The 10.81% gross yield on a $399,000 purchase results in $3,594/mo in rent and $946/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.00). Annual cash flow of $11,354, five-year appreciation of $110,236, and $3,675/yr in equity build-up combine for a projected total cumulative return of $213,017.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 9.0% |
| Monthly Cash Flow | $946 | $500 |
City averages based on Umatilla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,594 |
| Total Monthly Debt Service | $2,489 |
| DSCR Ratio | 1.44x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Single Family
Built in 2024
10,586 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32784, Umatilla, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,402 (100%) |
| Owner Occupied HU | 3,715 (68.8%) |
| Renter Occupied HU | 946 (17.5%) |
| Vacant Housing Units | 741 (13.7%) |
| Median Home Value | $387,977 |
| Average Home Value | $412,567 |
Housing Distribution
Address Breakdown
Residential
4,752
Single Family
4,718
Multi-Family
34
Businesses
329
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
Single Family
Built in 2024
10,586 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32784, Umatilla, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,402 (100%) |
| Owner Occupied HU | 3,715 (68.8%) |
| Renter Occupied HU | 946 (17.5%) |
| Vacant Housing Units | 741 (13.7%) |
| Median Home Value | $387,977 |
| Average Home Value | $412,567 |
Housing Distribution
Address Breakdown
Residential
4,752
Single Family
4,718
Multi-Family
34
Businesses
329
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices