2112 SW 140th AveOcalaFL34481
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2112 SW 140th Ave, Ocala, FL, 34481 in Ocala at $219,900 earns $1,556/mo in rent and nets $97/mo after the $989/mo payment, a 8.49% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $60,754 over five years. Ziffy Mortgage underwrites this on a 1.57 DSCR without U.S. credit history. With $2,025/yr in principal paydown, total projected return reaches $90,077.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 8.2% |
| Monthly Cash Flow | $97 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,556 |
| Total Monthly Debt Service | $1,372 |
| DSCR Ratio | 1.13x |
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 2025
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34481, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,207 (100%) |
| Owner Occupied HU | 14,525 (84.4%) |
| Renter Occupied HU | 1,169 ( 6.8%) |
| Vacant Housing Units | 1,513 ( 8.8%) |
| Median Home Value | $320,437 |
| Average Home Value | $318,623 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
12,256
Multi-Family
3,878
Businesses
315
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 2025
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34481, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,207 (100%) |
| Owner Occupied HU | 14,525 (84.4%) |
| Renter Occupied HU | 1,169 ( 6.8%) |
| Vacant Housing Units | 1,513 ( 8.8%) |
| Median Home Value | $320,437 |
| Average Home Value | $318,623 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
12,256
Multi-Family
3,878
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices