130 Indian Creek RdOak HillFL32759
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 130 Indian Creek Rd, Oak Hill, FL, 32759 in Oak Hill achieves a 1.52 ratio at $395,700: $2,701/mo rent versus $1,779/mo debt service. Rental yield 7.25%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 7.25% yield compounds alongside 5% annual appreciation projecting $109,325 in value. Total projected cumulative return: $155,666.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.0% |
| Monthly Cash Flow | $(265) | $200 |
City averages based on Oak Hill market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,701 |
| Total Monthly Debt Service | $2,468 |
| DSCR Ratio | 1.09x |
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 1973
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32759, Oak Hill, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,691 (100%) |
| Owner Occupied HU | 1,126 (66.6%) |
| Renter Occupied HU | 241 (14.3%) |
| Vacant Housing Units | 324 (19.2%) |
| Median Home Value | $454,891 |
| Average Home Value | $500,278 |
Housing Distribution
Address Breakdown
Residential
1,531
Single Family
1,531
Multi-Family
0
Businesses
95
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 1973
9,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32759, Oak Hill, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,691 (100%) |
| Owner Occupied HU | 1,126 (66.6%) |
| Renter Occupied HU | 241 (14.3%) |
| Vacant Housing Units | 324 (19.2%) |
| Median Home Value | $454,891 |
| Average Home Value | $500,278 |
Housing Distribution
Address Breakdown
Residential
1,531
Single Family
1,531
Multi-Family
0
Businesses
95
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices