1326 Hornbeam DrBakerFL32531
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1326 Hornbeam Dr, Baker, FL, 32531 in Baker speaks for itself: 11.33% gross on a $317,000 price, generating $2,994/mo in rent and $890/mo in net income after the $1,425/mo debt service. DSCR 2.10, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,684 stacks alongside $87,581 in projected five-year appreciation and $2,920/yr in principal reduction. Projected total cumulative return: $178,147.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 8.0% |
| Monthly Cash Flow | $890 | $150 |
City averages based on Baker market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,994 |
| Total Monthly Debt Service | $1,978 |
| DSCR Ratio | 1.51x |
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 2025
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32531, Baker, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,909 (100%) |
| Owner Occupied HU | 2,193 (75.4%) |
| Renter Occupied HU | 417 (14.3%) |
| Vacant Housing Units | 299 (10.3%) |
| Median Home Value | $412,049 |
| Average Home Value | $429,881 |
Housing Distribution
Address Breakdown
Residential
2,895
Single Family
2,895
Multi-Family
0
Businesses
104
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 2025
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32531, Baker, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,909 (100%) |
| Owner Occupied HU | 2,193 (75.4%) |
| Renter Occupied HU | 417 (14.3%) |
| Vacant Housing Units | 299 (10.3%) |
| Median Home Value | $412,049 |
| Average Home Value | $429,881 |
Housing Distribution
Address Breakdown
Residential
2,895
Single Family
2,895
Multi-Family
0
Businesses
104
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices