108 Big Oak LnWildwoodFL34785
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 108 Big Oak Ln, Wildwood, FL, 34785 in Wildwood is narrow, $86/mo net on $1,360/mo rent after the $863/mo debt service, but the property operates at break-even-plus, not a loss. At $192,000 with a 8.5% yield, the long-run equity case via 5% appreciation ($53,046 over five years) and $1,768/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.58 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $78,756.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 8.0% |
| Monthly Cash Flow | $86 | $300 |
City averages based on Wildwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,360 |
| Total Monthly Debt Service | $1,198 |
| DSCR Ratio | 1.14x |
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 1981
7,127 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34785, Wildwood, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,722 (100%) |
| Owner Occupied HU | 5,005 (57.4%) |
| Renter Occupied HU | 1,857 (21.3%) |
| Vacant Housing Units | 1,860 (21.3%) |
| Median Home Value | $379,219 |
| Average Home Value | $399,078 |
Housing Distribution
Address Breakdown
Residential
7,160
Single Family
4,727
Multi-Family
2,433
Businesses
755
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 1981
7,127 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34785, Wildwood, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,722 (100%) |
| Owner Occupied HU | 5,005 (57.4%) |
| Renter Occupied HU | 1,857 (21.3%) |
| Vacant Housing Units | 1,860 (21.3%) |
| Median Home Value | $379,219 |
| Average Home Value | $399,078 |
Housing Distribution
Address Breakdown
Residential
7,160
Single Family
4,727
Multi-Family
2,433
Businesses
755
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices