1804 E Humphrey LnHernandoFL34442
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1804 E Humphrey Ln, Hernando, FL, 34442 in Hernando: $3,000/mo in rent, $545/mo in net income, 9.73% gross yield, 1.80 DSCR, all at $369,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $102,197 in appreciation and $3,407/yr in principal paydown projects total cumulative return of $176,102.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 7.5% |
| Monthly Cash Flow | $545 | $1,200 |
City averages based on Hernando market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $2,308 |
| DSCR Ratio | 1.30x |
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 1987
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34442, Hernando, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,437 (100%) |
| Owner Occupied HU | 7,741 (74.2%) |
| Renter Occupied HU | 1,132 (10.8%) |
| Vacant Housing Units | 1,564 (15.0%) |
| Median Home Value | $374,320 |
| Average Home Value | $401,900 |
Housing Distribution
Address Breakdown
Residential
9,683
Single Family
9,167
Multi-Family
516
Businesses
304
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 1987
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34442, Hernando, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,437 (100%) |
| Owner Occupied HU | 7,741 (74.2%) |
| Renter Occupied HU | 1,132 (10.8%) |
| Vacant Housing Units | 1,564 (15.0%) |
| Median Home Value | $374,320 |
| Average Home Value | $401,900 |
Housing Distribution
Address Breakdown
Residential
9,683
Single Family
9,167
Multi-Family
516
Businesses
304
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices