2707 SW County Road 18Fort WhiteFL32038
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2707 SW County Road 18, Fort White, FL, 32038 in Fort White worth study. Rental yield 3.98%. The 3.98% gross yield is below cash-flow benchmarks at $625,000, but 5% annual appreciation, adding $172,676 over five years, frames this as a capital growth position. Rent of $2,071/mo partially offsets the $2,810/mo payment. Ziffy Mortgage finances appreciation-play properties (0.74 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $104,626.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.0% |
| Monthly Cash Flow | $(2,076) | $250 |
City averages based on Fort White market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,071 |
| Total Monthly Debt Service | $3,899 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Manufactured
Built in 2019
6.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32038, Fort White, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,107 (100%) |
| Owner Occupied HU | 3,732 (73.1%) |
| Renter Occupied HU | 582 (11.4%) |
| Vacant Housing Units | 793 (15.5%) |
| Median Home Value | $274,182 |
| Average Home Value | $295,863 |
Housing Distribution
Address Breakdown
Residential
4,379
Single Family
4,379
Multi-Family
0
Businesses
273
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
Manufactured
Built in 2019
6.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32038, Fort White, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,107 (100%) |
| Owner Occupied HU | 3,732 (73.1%) |
| Renter Occupied HU | 582 (11.4%) |
| Vacant Housing Units | 793 (15.5%) |
| Median Home Value | $274,182 |
| Average Home Value | $295,863 |
Housing Distribution
Address Breakdown
Residential
4,379
Single Family
4,379
Multi-Family
0
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristi Crane • UNITED COUNTRY SMITH & ASSOCIATES - NEWBERRY
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #GC527909
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