21579 136th StLive OakFL32060
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 21579 136th St, Live Oak, FL, 32060 in Live Oak speaks for itself: 14.47% gross on a $195,000 price, generating $2,351/mo in rent and $1,030/mo in net income after the $877/mo debt service. DSCR 2.68, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,361 stacks alongside $53,875 in projected five-year appreciation and $1,796/yr in principal reduction. Projected total cumulative return: $140,737.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.5% | 6.5% |
| Monthly Cash Flow | $1,030 | $400 |
City averages based on Live Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,351 |
| Total Monthly Debt Service | $1,243 |
| DSCR Ratio | 1.89x |
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 1940
5.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32060, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,483 (100%) |
| Owner Occupied HU | 6,531 (68.9%) |
| Renter Occupied HU | 1,803 (19.0%) |
| Vacant Housing Units | 1,149 (12.1%) |
| Median Home Value | $212,676 |
| Average Home Value | $246,963 |
Housing Distribution
Address Breakdown
Residential
8,716
Single Family
8,565
Multi-Family
151
Businesses
213
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 1940
5.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32060, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,483 (100%) |
| Owner Occupied HU | 6,531 (68.9%) |
| Renter Occupied HU | 1,803 (19.0%) |
| Vacant Housing Units | 1,149 (12.1%) |
| Median Home Value | $212,676 |
| Average Home Value | $246,963 |
Housing Distribution
Address Breakdown
Residential
8,716
Single Family
8,565
Multi-Family
151
Businesses
213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices