11531 Amber Ridge DrZellwoodFL32798
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 11531 Amber Ridge Dr, Zellwood, FL, 32798 in Zellwood at $420,990 earns $3,052/mo in rent and nets $198/mo after the $1,893/mo payment, a 8.7% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $116,312 over five years. Ziffy Mortgage underwrites this on a 1.61 DSCR without U.S. credit history. With $3,877/yr in principal paydown, total projected return reaches $173,474.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.5% |
| Monthly Cash Flow | $198 | $400 |
City averages based on Zellwood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,052 |
| Total Monthly Debt Service | $2,686 |
| 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.
Single Family
Built in 2024
5,516 sqft lot
$N/A/sqft
$60 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32798, Zellwood, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,674 (100%) |
| Owner Occupied HU | 1,415 (84.5%) |
| Renter Occupied HU | 120 ( 7.2%) |
| Vacant Housing Units | 139 ( 8.3%) |
| Median Home Value | $236,705 |
| Average Home Value | $407,212 |
Housing Distribution
Address Breakdown
Residential
1,630
Single Family
485
Multi-Family
1,145
Businesses
120
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 2024
5,516 sqft lot
$N/A/sqft
$60 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32798, Zellwood, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,674 (100%) |
| Owner Occupied HU | 1,415 (84.5%) |
| Renter Occupied HU | 120 ( 7.2%) |
| Vacant Housing Units | 139 ( 8.3%) |
| Median Home Value | $236,705 |
| Average Home Value | $407,212 |
Housing Distribution
Address Breakdown
Residential
1,630
Single Family
485
Multi-Family
1,145
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices