3351 Phonetia DrDeltonaFL32738
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 3351 Phonetia Dr, Deltona, FL, 32738 in Deltona: $2,266/mo in rent, $487/mo in net income, 10.14% gross yield, 1.88 DSCR, all at $268,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $74,043 in appreciation and $2,468/yr in principal paydown projects total cumulative return of $133,544.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $487 | $300 |
City averages based on Deltona market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,266 |
| Total Monthly Debt Service | $1,672 |
| DSCR Ratio | 1.36x |
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 1986
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32738, Deltona, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,599 (100%) |
| Owner Occupied HU | 14,109 (80.2%) |
| Renter Occupied HU | 2,872 (16.3%) |
| Vacant Housing Units | 618 ( 3.5%) |
| Median Home Value | $332,911 |
| Average Home Value | $364,111 |
Housing Distribution
Address Breakdown
Residential
17,663
Single Family
17,663
Multi-Family
0
Businesses
137
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 1986
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32738, Deltona, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,599 (100%) |
| Owner Occupied HU | 14,109 (80.2%) |
| Renter Occupied HU | 2,872 (16.3%) |
| Vacant Housing Units | 618 ( 3.5%) |
| Median Home Value | $332,911 |
| Average Home Value | $364,111 |
Housing Distribution
Address Breakdown
Residential
17,663
Single Family
17,663
Multi-Family
0
Businesses
137
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices