1860 Cogdill TrceMiddleburgFL32068
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1860 Cogdill Trce, Middleburg, FL, 32068 in Middleburg is narrow, $95/mo net on $2,509/mo rent after the $1,550/mo debt service, but the property operates at break-even-plus, not a loss. At $344,800 with a 8.73% yield, the long-run equity case via 5% appreciation ($95,262 over five years) and $3,176/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.62 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $138,123.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.0% |
| Monthly Cash Flow | $95 | $300 |
City averages based on Middleburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,509 |
| Total Monthly Debt Service | $2,277 |
| DSCR Ratio | 1.10x |
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 2022
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32068, Middleburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,808 (100%) |
| Owner Occupied HU | 18,514 (77.8%) |
| Renter Occupied HU | 4,060 (17.1%) |
| Vacant Housing Units | 1,234 ( 5.2%) |
| Median Home Value | $339,221 |
| Average Home Value | $349,755 |
Housing Distribution
Address Breakdown
Residential
22,770
Single Family
22,515
Multi-Family
255
Businesses
496
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 2022
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32068, Middleburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,808 (100%) |
| Owner Occupied HU | 18,514 (77.8%) |
| Renter Occupied HU | 4,060 (17.1%) |
| Vacant Housing Units | 1,234 ( 5.2%) |
| Median Home Value | $339,221 |
| Average Home Value | $349,755 |
Housing Distribution
Address Breakdown
Residential
22,770
Single Family
22,515
Multi-Family
255
Businesses
496
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A