154 NW Blue DrWhite SpringsFL32096
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 154 NW Blue Dr, White Springs, FL, 32096 in White Springs is narrow, $32/mo net on $1,790/mo rent after the $1,191/mo debt service, but the property operates at break-even-plus, not a loss. At $264,950 with a 8.11% yield, the long-run equity case via 5% appreciation ($73,201 over five years) and $2,440/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $103,071.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 10.0% |
| Monthly Cash Flow | $32 | $200 |
City averages based on White Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,790 |
| Total Monthly Debt Service | $1,653 |
| DSCR Ratio | 1.08x |
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.
Manufactured
Built in 2002
2.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32096, White Springs, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,499 (100%) |
| Owner Occupied HU | 981 (65.4%) |
| Renter Occupied HU | 245 (16.3%) |
| Vacant Housing Units | 273 (18.2%) |
| Median Home Value | $136,058 |
| Average Home Value | $183,186 |
Housing Distribution
Address Breakdown
Residential
1,152
Single Family
1,145
Multi-Family
7
Businesses
89
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
Manufactured
Built in 2002
2.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32096, White Springs, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,499 (100%) |
| Owner Occupied HU | 981 (65.4%) |
| Renter Occupied HU | 245 (16.3%) |
| Vacant Housing Units | 273 (18.2%) |
| Median Home Value | $136,058 |
| Average Home Value | $183,186 |
Housing Distribution
Address Breakdown
Residential
1,152
Single Family
1,145
Multi-Family
7
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sheri Thompson • United Country Real Estate|Lifestyle Properties
Mls Name: NFMLS
Mls ID: #128517