12724 W Checkerberry DrCrystal RiverFL34428
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 12724 W Checkerberry Dr, Crystal River, FL, 34428 in Crystal River is narrow, $131/mo net on $2,254/mo rent after the $1,438/mo debt service, but the property operates at break-even-plus, not a loss. At $319,900 with a 8.45% yield, the long-run equity case via 5% appreciation ($88,382 over five years) and $2,946/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $130,403.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $131 | $300 |
City averages based on Crystal River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,254 |
| Total Monthly Debt Service | $1,996 |
| DSCR Ratio | 1.13x |
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
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34428, Crystal River, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,401 (100%) |
| Owner Occupied HU | 3,519 (65.2%) |
| Renter Occupied HU | 1,044 (19.3%) |
| Vacant Housing Units | 838 (15.5%) |
| Median Home Value | $326,153 |
| Average Home Value | $350,676 |
Housing Distribution
Address Breakdown
Residential
5,072
Single Family
4,921
Multi-Family
151
Businesses
268
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
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34428, Crystal River, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,401 (100%) |
| Owner Occupied HU | 3,519 (65.2%) |
| Renter Occupied HU | 1,044 (19.3%) |
| Vacant Housing Units | 838 (15.5%) |
| Median Home Value | $326,153 |
| Average Home Value | $350,676 |
Housing Distribution
Address Breakdown
Residential
5,072
Single Family
4,921
Multi-Family
151
Businesses
268
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kelly Goddard • RE/MAX Realty One
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #841002
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.