1857 STATE ROAD 20 #107HawthorneFL32640
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1857 STATE ROAD 20 #107, Hawthorne, FL, 32640 in Hawthorne at $1,199,000, 1.8% gross yield, is a market-growth asset. Rental yield 1.8%. The $1,800/mo rent partially funds the $5,684/mo debt service; the core return is the 5%/yr price growth projected to add $331,262 over five years. Ziffy Mortgage's DSCR mortgage (0.32) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $38,231.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 7.5% |
| Monthly Cash Flow | $(6,157) | $300 |
City averages based on Hawthorne 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 | $1,800 |
| Total Monthly Debt Service | $7,772 |
| DSCR Ratio | 0.23x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2003
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32640, Hawthorne, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,548 (100%) |
| Owner Occupied HU | 3,734 (67.3%) |
| Renter Occupied HU | 791 (14.3%) |
| Vacant Housing Units | 1,023 (18.4%) |
| Median Home Value | $223,379 |
| Average Home Value | $249,071 |
Housing Distribution
Address Breakdown
Residential
4,379
Single Family
4,379
Multi-Family
0
Businesses
201
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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
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