13960 NE 252nd Terrace Rd #39AFort Mc CoyFL32134
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 13960 NE 252nd Terrace Rd #39A, Fort Mc Coy, FL, 32134 in Fort Mc Coy the bet is firmly on appreciation. Rental yield 3.54%. The 3.54% gross yield on a $325,000 price is below income-first thresholds, but 5%/yr value growth projects $89,792 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.66) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $46,878.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 8.5% |
| Monthly Cash Flow | $(1,469) | $250 |
City averages based on Fort Mc Coy 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 | $960 |
| Total Monthly Debt Service | $2,027 |
| DSCR Ratio | 0.47x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1970
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32134, Fort Mc Coy, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,488 (100%) |
| Owner Occupied HU | 3,095 (56.4%) |
| Renter Occupied HU | 513 ( 9.3%) |
| Vacant Housing Units | 1,880 (34.3%) |
| Median Home Value | $179,058 |
| Average Home Value | $242,406 |
Housing Distribution
Address Breakdown
Residential
4,173
Single Family
4,173
Multi-Family
0
Businesses
118
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 1970
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32134, Fort Mc Coy, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,488 (100%) |
| Owner Occupied HU | 3,095 (56.4%) |
| Renter Occupied HU | 513 ( 9.3%) |
| Vacant Housing Units | 1,880 (34.3%) |
| Median Home Value | $179,058 |
| Average Home Value | $242,406 |
Housing Distribution
Address Breakdown
Residential
4,173
Single Family
4,173
Multi-Family
0
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls ID: #OM724951