10119 SW 106TH CIRCLEOcalaFL34481
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 10119 SW 106TH CIRCLE, Ocala, FL, 34481 in Ocala achieves a 1.56 ratio at $425,000: $3,140/mo rent versus $2,015/mo debt service. Rental yield 8.87%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.87% yield compounds alongside 5% annual appreciation projecting $117,420 in value. Total projected cumulative return: $144,901.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 8.2% |
| Monthly Cash Flow | $(174) | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,140 |
| Total Monthly Debt Service | $3,249 |
| DSCR Ratio | 0.97x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2025
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34481, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,207 (100%) |
| Owner Occupied HU | 14,525 (84.4%) |
| Renter Occupied HU | 1,169 ( 6.8%) |
| Vacant Housing Units | 1,513 ( 8.8%) |
| Median Home Value | $320,437 |
| Average Home Value | $318,623 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
12,256
Multi-Family
3,878
Businesses
315
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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
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