10806 SW 81st Court RdOcalaFL34481
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10806 SW 81st Court Rd, Ocala, FL, 34481 in Ocala is narrow, $101/mo net on $1,560/mo rent after the $866/mo debt service, but the property operates at break-even-plus, not a loss. At $192,500 with a 9.72% yield, the long-run equity case via 5% appreciation ($53,184 over five years) and $1,773/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.80 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $91,544.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 8.2% |
| Monthly Cash Flow | $101 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,560 |
| Total Monthly Debt Service | $1,201 |
| DSCR Ratio | 1.30x |
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 1991
8,712 sqft 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
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 1991
8,712 sqft 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices