13728 Highway 20YoungstownFL32466
INVESTMENT ANALYSIS
Investment Verdict
Solid Income13728 Highway 20, Youngstown, FL, 32466 in Youngstown is a solid income-producing rental, 8.72% gross yield, $2,470/mo rent, $213/mo net cash flow on a $340,000 buy. DSCR 1.62 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $93,936 and $3,131/yr in principal reduction project a total cumulative return of $143,327.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.0% |
| Monthly Cash Flow | $213 | $1,200 |
City averages based on Youngstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,470 |
| Total Monthly Debt Service | $2,121 |
| DSCR Ratio | 1.16x |
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 2007
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32466, Youngstown, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,703 (100%) |
| Owner Occupied HU | 2,069 (76.5%) |
| Renter Occupied HU | 312 (11.5%) |
| Vacant Housing Units | 322 (11.9%) |
| Median Home Value | $188,365 |
| Average Home Value | $284,495 |
Housing Distribution
Address Breakdown
Residential
2,593
Single Family
2,593
Multi-Family
0
Businesses
124
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 2007
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32466, Youngstown, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,703 (100%) |
| Owner Occupied HU | 2,069 (76.5%) |
| Renter Occupied HU | 312 (11.5%) |
| Vacant Housing Units | 322 (11.9%) |
| Median Home Value | $188,365 |
| Average Home Value | $284,495 |
Housing Distribution
Address Breakdown
Residential
2,593
Single Family
2,593
Multi-Family
0
Businesses
124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CPAR
Mls ID: #787107