2140 NE 40th StOcalaFL34479
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 2140 NE 40th St, Ocala, FL, 34479 in Ocala: $1,701/mo in rent, $206/mo in net income, 9.28% gross yield, 1.84 DSCR, all at $206,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $56,914 in appreciation and $1,897/yr in principal paydown projects total cumulative return of $97,309.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 8.2% |
| Monthly Cash Flow | $206 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,701 |
| Total Monthly Debt Service | $1,331 |
| DSCR Ratio | 1.28x |
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 1981
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34479, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,291 (100%) |
| Owner Occupied HU | 4,518 (71.8%) |
| Renter Occupied HU | 1,384 (22.0%) |
| Vacant Housing Units | 389 ( 6.2%) |
| Median Home Value | $224,402 |
| Average Home Value | $287,078 |
Housing Distribution
Address Breakdown
Residential
5,965
Single Family
5,414
Multi-Family
551
Businesses
227
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 1981
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34479, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,291 (100%) |
| Owner Occupied HU | 4,518 (71.8%) |
| Renter Occupied HU | 1,384 (22.0%) |
| Vacant Housing Units | 389 ( 6.2%) |
| Median Home Value | $224,402 |
| Average Home Value | $287,078 |
Housing Distribution
Address Breakdown
Residential
5,965
Single Family
5,414
Multi-Family
551
Businesses
227
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices