3354 Truluck PlOxfordFL34484
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3354 Truluck Pl, Oxford, FL, 34484 in Oxford. At $584,900 it earns $4,370/mo in rent and distributes $427/mo to the owner after the $2,630/mo payment, a consistent 8.97% yield. DSCR 1.66 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $161,597 in value; $5,387/yr in principal paydown compounds ownership stake. Total projected return: $254,394.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.0% |
| Monthly Cash Flow | $427 | $300 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,370 |
| Total Monthly Debt Service | $3,649 |
| DSCR Ratio | 1.20x |
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 2015
8,571 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34484, Oxford, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,708 (100%) |
| Owner Occupied HU | 2,087 (56.3%) |
| Renter Occupied HU | 1,006 (27.1%) |
| Vacant Housing Units | 615 (16.6%) |
| Median Home Value | $474,470 |
| Average Home Value | $560,171 |
Housing Distribution
Address Breakdown
Residential
3,501
Single Family
1,966
Multi-Family
1,535
Businesses
250
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 2015
8,571 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34484, Oxford, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,708 (100%) |
| Owner Occupied HU | 2,087 (56.3%) |
| Renter Occupied HU | 1,006 (27.1%) |
| Vacant Housing Units | 615 (16.6%) |
| Median Home Value | $474,470 |
| Average Home Value | $560,171 |
Housing Distribution
Address Breakdown
Residential
3,501
Single Family
1,966
Multi-Family
1,535
Businesses
250
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices