219 Mesa St NWLive OakFL32064
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $249,000, 219 Mesa St NW, Live Oak, FL, 32064 in Live Oak generates $1,660/mo in rent (8% yield) but nets only $7/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.48) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $68,794. Total projected return: $95,397.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.5% |
| Monthly Cash Flow | $7 | $400 |
City averages based on Live Oak market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,660 |
| Total Monthly Debt Service | $1,553 |
| DSCR Ratio | 1.07x |
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 2018
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32064, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,323 (100%) |
| Owner Occupied HU | 1,678 (50.5%) |
| Renter Occupied HU | 1,239 (37.3%) |
| Vacant Housing Units | 406 (12.2%) |
| Median Home Value | $179,538 |
| Average Home Value | $190,061 |
Housing Distribution
Address Breakdown
Residential
2,556
Single Family
2,390
Multi-Family
166
Businesses
635
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 2018
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32064, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,323 (100%) |
| Owner Occupied HU | 1,678 (50.5%) |
| Renter Occupied HU | 1,239 (37.3%) |
| Vacant Housing Units | 406 (12.2%) |
| Median Home Value | $179,538 |
| Average Home Value | $190,061 |
Housing Distribution
Address Breakdown
Residential
2,556
Single Family
2,390
Multi-Family
166
Businesses
635
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices