12460 Payne RdSebringFL33875
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 12460 Payne Rd, Sebring, FL, 33875 in Sebring is a conservative rental investment at $439,000. Rental yield 7.03%. A 1.30 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $121,288; $4,043/yr in principal paydown supplements. Total projected return: $145,452.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.2% |
| Monthly Cash Flow | $(340) | $250 |
City averages based on Sebring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,573 |
| Total Monthly Debt Service | $2,739 |
| DSCR Ratio | 0.94x |
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 1977
4.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33875, Sebring, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,816 (100%) |
| Owner Occupied HU | 4,279 (73.6%) |
| Renter Occupied HU | 607 (10.4%) |
| Vacant Housing Units | 930 (16.0%) |
| Median Home Value | $270,282 |
| Average Home Value | $293,488 |
Housing Distribution
Address Breakdown
Residential
5,934
Single Family
5,398
Multi-Family
536
Businesses
59
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 1977
4.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33875, Sebring, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,816 (100%) |
| Owner Occupied HU | 4,279 (73.6%) |
| Renter Occupied HU | 607 (10.4%) |
| Vacant Housing Units | 930 (16.0%) |
| Median Home Value | $270,282 |
| Average Home Value | $293,488 |
Housing Distribution
Address Breakdown
Residential
5,934
Single Family
5,398
Multi-Family
536
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices