20190 SW 54th StDunnellonFL34431
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 20190 SW 54th St, Dunnellon, FL, 34431 in Dunnellon deserves attention. This $599,000 property earns $4,524/mo in rent, a 10.46% gross yield, and nets $1,148/mo after the $2,693/mo payment. DSCR 1.68 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $165,493 compounds alongside $5,517/yr in yearly equity build, for a total cumulative return of $257,584.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 7.0% |
| Monthly Cash Flow | $1,148 | $350 |
City averages based on Dunnellon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,524 |
| Total Monthly Debt Service | $3,838 |
| DSCR Ratio | 1.18x |
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 1984
1.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34431, Dunnellon, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,970 (100%) |
| Owner Occupied HU | 3,745 (75.4%) |
| Renter Occupied HU | 624 (12.6%) |
| Vacant Housing Units | 601 (12.1%) |
| Median Home Value | $238,809 |
| Average Home Value | $256,672 |
Housing Distribution
Address Breakdown
Residential
4,567
Single Family
4,567
Multi-Family
0
Businesses
95
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 1984
1.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34431, Dunnellon, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,970 (100%) |
| Owner Occupied HU | 3,745 (75.4%) |
| Renter Occupied HU | 624 (12.6%) |
| Vacant Housing Units | 601 (12.1%) |
| Median Home Value | $238,809 |
| Average Home Value | $256,672 |
Housing Distribution
Address Breakdown
Residential
4,567
Single Family
4,567
Multi-Family
0
Businesses
95
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Scott Coldwell • Coldwell Realty Your Home Sold
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #844501
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.