3 SwNewberryFL32669
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3 Sw, Newberry, FL, 32669 in Newberry at $396,000 earns $2,820/mo in rent and nets $97/mo after the $1,781/mo payment, a 8.55% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $109,408 over five years. Ziffy Mortgage underwrites this on a 1.58 DSCR without U.S. credit history. With $3,647/yr in principal paydown, total projected return reaches $163,312.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $97 | $200 |
City averages based on Newberry market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,820 |
| Total Monthly Debt Service | $2,470 |
| DSCR Ratio | 1.14x |
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 2026
6,619 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32669, Newberry, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,320 (100%) |
| Owner Occupied HU | 6,444 (77.5%) |
| Renter Occupied HU | 1,209 (14.5%) |
| Vacant Housing Units | 667 ( 8.0%) |
| Median Home Value | $379,117 |
| Average Home Value | $459,088 |
Housing Distribution
Address Breakdown
Residential
7,786
Single Family
7,223
Multi-Family
563
Businesses
475
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 2026
6,619 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32669, Newberry, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,320 (100%) |
| Owner Occupied HU | 6,444 (77.5%) |
| Renter Occupied HU | 1,209 (14.5%) |
| Vacant Housing Units | 667 ( 8.0%) |
| Median Home Value | $379,117 |
| Average Home Value | $459,088 |
Housing Distribution
Address Breakdown
Residential
7,786
Single Family
7,223
Multi-Family
563
Businesses
475
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices