103 PAMELA DriveSatsumaFL32189
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 103 PAMELA Drive, Satsuma, FL, 32189 in Satsuma is listed at $139,900 and delivers $1,380/mo in rent and $452/mo in net monthly cash flow. The 11.84% yield and 2.19 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $38,652 over five years, and $1,288/yr in principal reduction supplements cash return. Total projected cumulative return: $82,420.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 7.0% |
| Monthly Cash Flow | $452 | $300 |
City averages based on Satsuma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,380 |
| Total Monthly Debt Service | $873 |
| DSCR Ratio | 1.58x |
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.
Manufactured
Built in 1996
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32189, Satsuma, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,467 (100%) |
| Owner Occupied HU | 2,237 (64.5%) |
| Renter Occupied HU | 467 (13.5%) |
| Vacant Housing Units | 763 (22.0%) |
| Median Home Value | $121,688 |
| Average Home Value | $206,308 |
Housing Distribution
Address Breakdown
Residential
2,813
Single Family
2,658
Multi-Family
155
Businesses
43
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 1996
0.81 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32189, Satsuma, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,467 (100%) |
| Owner Occupied HU | 2,237 (64.5%) |
| Renter Occupied HU | 467 (13.5%) |
| Vacant Housing Units | 763 (22.0%) |
| Median Home Value | $121,688 |
| Average Home Value | $206,308 |
Housing Distribution
Address Breakdown
Residential
2,813
Single Family
2,658
Multi-Family
155
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices