109 Bob Thomas CirSanfordFL32771
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 109 Bob Thomas Cir, Sanford, FL, 32771 in Sanford. Priced at $219,900, it generates $1,973/mo in gross rent and $514/mo in net monthly cash flow, a 10.77% yield that comfortably supports the 1.99 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,162. Five-year appreciation: $60,754. Equity from principal paydown: $2,025/yr. Total projected cumulative return: $116,921.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.0% |
| Monthly Cash Flow | $514 | $1,500 |
City averages based on Sanford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,973 |
| Total Monthly Debt Service | $1,372 |
| DSCR Ratio | 1.44x |
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 1969
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32771, Sanford, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,845 (100%) |
| Owner Occupied HU | 14,359 (51.6%) |
| Renter Occupied HU | 11,133 (40.0%) |
| Vacant Housing Units | 2,353 ( 8.5%) |
| Median Home Value | $441,198 |
| Average Home Value | $493,717 |
Housing Distribution
Address Breakdown
Residential
25,241
Single Family
17,667
Multi-Family
7,574
Businesses
1,923
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 1969
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32771, Sanford, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,845 (100%) |
| Owner Occupied HU | 14,359 (51.6%) |
| Renter Occupied HU | 11,133 (40.0%) |
| Vacant Housing Units | 2,353 ( 8.5%) |
| Median Home Value | $441,198 |
| Average Home Value | $493,717 |
Housing Distribution
Address Breakdown
Residential
25,241
Single Family
17,667
Multi-Family
7,574
Businesses
1,923
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cathy Ashley • Align Right Realty Horizons
Mls Name: DBAMLS
Mls Provider:
Mls ID: #1212658
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.