3056 SW 108th St #153BOcalaFL34476
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3056 SW 108th St #153B, Ocala, FL, 34476 in Ocala at $155,000 earns $1,172/mo in rent and nets $143/mo after the $697/mo payment, a 9.07% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $42,824 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,428/yr in principal paydown, total projected return reaches $68,346.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.2% |
| Monthly Cash Flow | $143 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,172 |
| Total Monthly Debt Service | $967 |
| DSCR Ratio | 1.21x |
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34476, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,128 (100%) |
| Owner Occupied HU | 12,537 (82.9%) |
| Renter Occupied HU | 1,584 (10.5%) |
| Vacant Housing Units | 1,007 ( 6.7%) |
| Median Home Value | $330,575 |
| Average Home Value | $348,208 |
Housing Distribution
Address Breakdown
Residential
13,956
Single Family
13,483
Multi-Family
473
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34476, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,128 (100%) |
| Owner Occupied HU | 12,537 (82.9%) |
| Renter Occupied HU | 1,584 (10.5%) |
| Vacant Housing Units | 1,007 ( 6.7%) |
| Median Home Value | $330,575 |
| Average Home Value | $348,208 |
Housing Distribution
Address Breakdown
Residential
13,956
Single Family
13,483
Multi-Family
473
Businesses
238
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices