18122 137th Cres SEWhite SpringsFL32096
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow18122 137th Cres SE, White Springs, FL, 32096 in White Springs earns its strong cash-flow label: 13.34% yield, $2,556/mo rent, $1,030/mo net income, DSCR 2.47. The $229,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $63,517 by year five. Combined with $2,117/yr in principal paydown, total projected return reaches $153,925.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.3% | 10.0% |
| Monthly Cash Flow | $1,030 | $200 |
City averages based on White Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,556 |
| Total Monthly Debt Service | $1,434 |
| DSCR Ratio | 1.78x |
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 2020
1.22 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 2020
1.22 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