3040 Going To The SunSebringFL33872
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3040 Going To The Sun, Sebring, FL, 33872 in Sebring at $129,900 earns $988/mo in rent and nets $126/mo after the $584/mo payment, a 9.13% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,889 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $1,196/yr in principal paydown, total projected return reaches $57,632.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $126 | $250 |
City averages based on Sebring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $988 |
| Total Monthly Debt Service | $810 |
| DSCR Ratio | 1.22x |
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.
Manufactured
Built in 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33872, Sebring, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,099 (100%) |
| Owner Occupied HU | 5,448 (67.3%) |
| Renter Occupied HU | 1,110 (13.7%) |
| Vacant Housing Units | 1,541 (19.0%) |
| Median Home Value | $212,107 |
| Average Home Value | $227,059 |
Housing Distribution
Address Breakdown
Residential
8,046
Single Family
7,717
Multi-Family
329
Businesses
238
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 2005
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33872, Sebring, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,099 (100%) |
| Owner Occupied HU | 5,448 (67.3%) |
| Renter Occupied HU | 1,110 (13.7%) |
| Vacant Housing Units | 1,541 (19.0%) |
| Median Home Value | $212,107 |
| Average Home Value | $227,059 |
Housing Distribution
Address Breakdown
Residential
8,046
Single Family
7,717
Multi-Family
329
Businesses
238
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices