124 Raiders TrlValparaisoFL32580
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 124 Raiders Trl, Valparaiso, FL, 32580 in Valparaiso fits: $649,500, 5.71% gross yield, and a projected 5% annual appreciation rate adding $179,445 in value within five years. Rental yield 5.71%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.06) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,982/yr in principal paydown and $179,445 in appreciation project a total return of $168,999.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.0% |
| Monthly Cash Flow | $(1,220) | $1,500 |
City averages based on Valparaiso market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,090 |
| Total Monthly Debt Service | $4,052 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2021
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32580, Valparaiso, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,009 (100%) |
| Owner Occupied HU | 1,275 (63.5%) |
| Renter Occupied HU | 603 (30.0%) |
| Vacant Housing Units | 131 ( 6.5%) |
| Median Home Value | $402,423 |
| Average Home Value | $495,335 |
Housing Distribution
Address Breakdown
Residential
1,990
Single Family
1,974
Multi-Family
16
Businesses
227
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 2021
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32580, Valparaiso, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,009 (100%) |
| Owner Occupied HU | 1,275 (63.5%) |
| Renter Occupied HU | 603 (30.0%) |
| Vacant Housing Units | 131 ( 6.5%) |
| Median Home Value | $402,423 |
| Average Home Value | $495,335 |
Housing Distribution
Address Breakdown
Residential
1,990
Single Family
1,974
Multi-Family
16
Businesses
227
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: ECAOR
Mls ID: #997829