10561 NE 104th CirOxfordFL34484
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.66% gross rental yield, 10561 NE 104th Cir, Oxford, FL, 34484 in Oxford is priced for capital growth, not immediate cash flow. The $1,249,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $345,324 by year five, with $11,512/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.86) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $255,287.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.0% |
| Monthly Cash Flow | $(3,529) | $300 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,858 |
| Total Monthly Debt Service | $7,797 |
| 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.
Single Family
Built in 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34484, Oxford, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,708 (100%) |
| Owner Occupied HU | 2,087 (56.3%) |
| Renter Occupied HU | 1,006 (27.1%) |
| Vacant Housing Units | 615 (16.6%) |
| Median Home Value | $474,470 |
| Average Home Value | $560,171 |
Housing Distribution
Address Breakdown
Residential
3,501
Single Family
1,966
Multi-Family
1,535
Businesses
250
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34484, Oxford, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,708 (100%) |
| Owner Occupied HU | 2,087 (56.3%) |
| Renter Occupied HU | 1,006 (27.1%) |
| Vacant Housing Units | 615 (16.6%) |
| Median Home Value | $474,470 |
| Average Home Value | $560,171 |
Housing Distribution
Address Breakdown
Residential
3,501
Single Family
1,966
Multi-Family
1,535
Businesses
250
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices