129 Badger LoopOnaFL33865
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.95% yield at 129 Badger Loop, Ona, FL, 33865 in Ona is solid, but the $967/mo payment compresses net cash flow to $178/mo at $215,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $59,401 by year five, and $1,980/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.66) without U.S. income documentation. Total projected return: $93,352.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $178 | $250 |
City averages based on Ona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,604 |
| Total Monthly Debt Service | $1,341 |
| DSCR Ratio | 1.20x |
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
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33865, Ona, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 321 (100%) |
| Owner Occupied HU | 223 (69.5%) |
| Renter Occupied HU | 59 (18.4%) |
| Vacant Housing Units | 39 (12.1%) |
| Median Home Value | $134,069 |
| Average Home Value | $225,628 |
Housing Distribution
Address Breakdown
Residential
327
Single Family
327
Multi-Family
0
Businesses
24
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
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33865, Ona, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 321 (100%) |
| Owner Occupied HU | 223 (69.5%) |
| Renter Occupied HU | 59 (18.4%) |
| Vacant Housing Units | 39 (12.1%) |
| Median Home Value | $134,069 |
| Average Home Value | $225,628 |
Housing Distribution
Address Breakdown
Residential
327
Single Family
327
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices