225 GARDENIA AvenueGeorgetownFL32139
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, 225 GARDENIA Avenue, Georgetown, FL, 32139 in Georgetown delivers $1,712/mo in gross rent and $387/mo in net monthly income at a $214,900 entry. The 10.14% yield and 1.77 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $59,373 over five years and $1,979/yr in equity from loan paydown, total projected return is $100,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 7.0% |
| Monthly Cash Flow | $387 | $1,200 |
City averages based on Georgetown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,712 |
| Total Monthly Debt Service | $1,344 |
| DSCR Ratio | 1.27x |
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 2024
10,018 sqft lot
$N/A/sqft
$45 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32139, Georgetown, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 857 (100%) |
| Owner Occupied HU | 499 (58.2%) |
| Renter Occupied HU | 95 (11.1%) |
| Vacant Housing Units | 263 (30.7%) |
| Median Home Value | $163,663 |
| Average Home Value | $285,346 |
Housing Distribution
Address Breakdown
Residential
606
Single Family
605
Multi-Family
1
Businesses
28
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 2024
10,018 sqft lot
$N/A/sqft
$45 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32139, Georgetown, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 857 (100%) |
| Owner Occupied HU | 499 (58.2%) |
| Renter Occupied HU | 95 (11.1%) |
| Vacant Housing Units | 263 (30.7%) |
| Median Home Value | $163,663 |
| Average Home Value | $285,346 |
Housing Distribution
Address Breakdown
Residential
606
Single Family
605
Multi-Family
1
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: ERICKA SENEZ • ADAMS CAMERON & CO
Mls Name: realMLS
Mls Provider:
Mls ID: #2044309
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by realMLS.