1332 BEAR HAMMOCK DRIVEUmatillaFL32784
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1332 BEAR HAMMOCK DRIVE, Umatilla, FL, 32784 in Umatilla deserves attention. This $370,990 property earns $3,210/mo in rent, a 10.38% gross yield, and nets $748/mo after the $1,759/mo payment. DSCR 1.82 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $102,498 compounds alongside $3,110/yr in yearly equity build, for a total cumulative return of $182,543.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 9.0% |
| Monthly Cash Flow | $748 | $500 |
City averages based on Umatilla market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,210 |
| Total Monthly Debt Service | $2,405 |
| DSCR Ratio | 1.33x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32784, Umatilla, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,402 (100%) |
| Owner Occupied HU | 3,715 (68.8%) |
| Renter Occupied HU | 946 (17.5%) |
| Vacant Housing Units | 741 (13.7%) |
| Median Home Value | $387,977 |
| Average Home Value | $412,567 |
Housing Distribution
Address Breakdown
Residential
4,752
Single Family
4,718
Multi-Family
34
Businesses
329
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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
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