2520 122nd TerWellbornFL32094
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2520 122nd Ter, Wellborn, FL, 32094 in Wellborn. Priced at $390,000, it generates $3,280/mo in gross rent and $691/mo in net monthly cash flow, a 10.09% yield that comfortably supports the 1.87 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,298. Five-year appreciation: $107,750. Equity from principal paydown: $3,592/yr. Total projected cumulative return: $193,166.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 5.0% |
| Monthly Cash Flow | $691 | $300 |
City averages based on Wellborn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,280 |
| Total Monthly Debt Service | $2,433 |
| DSCR Ratio | 1.35x |
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 2006
4.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32094, Wellborn, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,257 (100%) |
| Owner Occupied HU | 945 (75.2%) |
| Renter Occupied HU | 178 (14.2%) |
| Vacant Housing Units | 134 (10.7%) |
| Median Home Value | $180,236 |
| Average Home Value | $214,794 |
Housing Distribution
Address Breakdown
Residential
1,257
Single Family
1,257
Multi-Family
0
Businesses
63
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 2006
4.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32094, Wellborn, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,257 (100%) |
| Owner Occupied HU | 945 (75.2%) |
| Renter Occupied HU | 178 (14.2%) |
| Vacant Housing Units | 134 (10.7%) |
| Median Home Value | $180,236 |
| Average Home Value | $214,794 |
Housing Distribution
Address Breakdown
Residential
1,257
Single Family
1,257
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: William Golightly • LANDS OF NORTH FLORIDA REALTY INC
Mls Name: NFMLS
Mls Provider:
Mls ID: #127799
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. Information is deemed reliable but not guaranteed.