2228 Mountain Spruce StOcoeeFL34761
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2228 Mountain Spruce St, Ocoee, FL, 34761 in Ocoee is narrow, $93/mo net on $3,730/mo rent after the $2,464/mo debt service, but the property operates at break-even-plus, not a loss. At $548,000 with a 8.17% yield, the long-run equity case via 5% appreciation ($151,402 over five years) and $5,047/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $214,905.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.5% |
| Monthly Cash Flow | $93 | $300 |
City averages based on Ocoee market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,730 |
| Total Monthly Debt Service | $3,419 |
| DSCR Ratio | 1.09x |
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 1999
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34761, Ocoee, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,471 (100%) |
| Owner Occupied HU | 12,347 (70.7%) |
| Renter Occupied HU | 4,398 (25.2%) |
| Vacant Housing Units | 726 ( 4.2%) |
| Median Home Value | $439,508 |
| Average Home Value | $473,479 |
Housing Distribution
Address Breakdown
Residential
17,614
Single Family
15,723
Multi-Family
1,891
Businesses
1,352
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 1999
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34761, Ocoee, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,471 (100%) |
| Owner Occupied HU | 12,347 (70.7%) |
| Renter Occupied HU | 4,398 (25.2%) |
| Vacant Housing Units | 726 ( 4.2%) |
| Median Home Value | $439,508 |
| Average Home Value | $473,479 |
Housing Distribution
Address Breakdown
Residential
17,614
Single Family
15,723
Multi-Family
1,891
Businesses
1,352
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices