13277 SW 85th CirOcalaFL34473
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderHigh DSCR is a competitive advantage at closing. 13277 SW 85th Cir, Ocala, FL, 34473 in Ocala achieves 1.62, rent of $2,040/mo covers the $1,260/mo payment 1.5x over at $280,260. Rental yield 7.94%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $77,431 over five years, with $2,581/yr in principal reduction bringing total projected return to $118,418.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 8.2% |
| Monthly Cash Flow | $(6) | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,040 |
| Total Monthly Debt Service | $1,748 |
| DSCR Ratio | 1.17x |
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
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34473, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,053 (100%) |
| Owner Occupied HU | 8,064 (73.0%) |
| Renter Occupied HU | 2,221 (20.1%) |
| Vacant Housing Units | 768 ( 6.9%) |
| Median Home Value | $281,717 |
| Average Home Value | $325,556 |
Housing Distribution
Address Breakdown
Residential
11,597
Single Family
10,596
Multi-Family
1,001
Businesses
138
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
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34473, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,053 (100%) |
| Owner Occupied HU | 8,064 (73.0%) |
| Renter Occupied HU | 2,221 (20.1%) |
| Vacant Housing Units | 768 ( 6.9%) |
| Median Home Value | $281,717 |
| Average Home Value | $325,556 |
Housing Distribution
Address Breakdown
Residential
11,597
Single Family
10,596
Multi-Family
1,001
Businesses
138
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices