1630 Minnesota RdSumtervilleFL33585
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 1630 Minnesota Rd, Sumterville, FL, 33585 in Sumterville: $3,120/mo in rent, $1,389/mo net, 14.74% gross yield, all on a $254,065 acquisition. The 2.73 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $70,193 in value, and $2,340/yr in principal paydown steadily builds equity. Projected total cumulative return: $186,448.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.7% | 6.0% |
| Monthly Cash Flow | $1,389 | $1,500 |
City averages based on Sumterville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,120 |
| Total Monthly Debt Service | $1,630 |
| DSCR Ratio | 1.91x |
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
5,500 sqft lot
$N/A/sqft
$45 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33585, Sumterville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,003 (100%) |
| Owner Occupied HU | 810 (80.8%) |
| Renter Occupied HU | 94 ( 9.4%) |
| Vacant Housing Units | 99 ( 9.9%) |
| Median Home Value | $356,951 |
| Average Home Value | $390,559 |
Housing Distribution
Address Breakdown
Residential
521
Single Family
521
Multi-Family
0
Businesses
88
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
5,500 sqft lot
$N/A/sqft
$45 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33585, Sumterville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,003 (100%) |
| Owner Occupied HU | 810 (80.8%) |
| Renter Occupied HU | 94 ( 9.4%) |
| Vacant Housing Units | 99 ( 9.9%) |
| Median Home Value | $356,951 |
| Average Home Value | $390,559 |
Housing Distribution
Address Breakdown
Residential
521
Single Family
521
Multi-Family
0
Businesses
88
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices