122 CULPEPPER RoadSan MateoFL32187
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow122 CULPEPPER Road, San Mateo, FL, 32187 in San Mateo is a solid income-producing rental, 10.6% gross yield, $1,651/mo rent, $410/mo net cash flow on a $187,000 buy. DSCR 1.96 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $51,665 and $1,722/yr in principal reduction project a total cumulative return of $97,694.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 8.0% |
| Monthly Cash Flow | $410 | $1,500 |
City averages based on San Mateo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,651 |
| Total Monthly Debt Service | $1,167 |
| DSCR Ratio | 1.42x |
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 1985
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32187, San Mateo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 919 (100%) |
| Owner Occupied HU | 675 (73.4%) |
| Renter Occupied HU | 146 (15.9%) |
| Vacant Housing Units | 98 (10.7%) |
| Median Home Value | $246,849 |
| Average Home Value | $283,922 |
Housing Distribution
Address Breakdown
Residential
704
Single Family
704
Multi-Family
0
Businesses
62
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 1985
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32187, San Mateo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 919 (100%) |
| Owner Occupied HU | 675 (73.4%) |
| Renter Occupied HU | 146 (15.9%) |
| Vacant Housing Units | 98 (10.7%) |
| Median Home Value | $246,849 |
| Average Home Value | $283,922 |
Housing Distribution
Address Breakdown
Residential
704
Single Family
704
Multi-Family
0
Businesses
62
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices