1309 Ruby StLive OakFL32064








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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


Investment Highlights
Investment property for sale in Live Oak at 1309 Ruby St, Live Oak, FL, 32064 offers a 10.64% rental yield on a $203,000 purchase with $1,800/mo rent. Total monthly income registers $1,800/mo, and a $994/mo payment leaves $452/mo available for distribution. Annual cash flow reaches $5,429/yr on $67,295 to close, and return on cash invested stands at 27.98% in year one. Equity gained on principal adds $1,310/yr while 5% annual appreciation supports $56,085 over five years. Portfolio math shows five-year ROI at 146.74% and total cumulative return in cash at $98,750. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,800/mo property income against a $994/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1976
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32064, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,323 (100%) |
| Owner Occupied HU | 1,678 (50.5%) |
| Renter Occupied HU | 1,239 (37.3%) |
| Vacant Housing Units | 406 (12.2%) |
| Median Home Value | $179,538 |
| Average Home Value | $190,061 |
Housing Distribution
Address Breakdown
Residential
2,556
Single Family
2,390
Multi-Family
166
Businesses
635
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