336 Lake RdMonticelloFL32344
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 336 Lake Rd, Monticello, FL, 32344 in Monticello speaks for itself: 12.22% gross on a $239,900 price, generating $2,443/mo in rent and $851/mo in net income after the $1,079/mo debt service. DSCR 2.26, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,214 stacks alongside $66,280 in projected five-year appreciation and $2,210/yr in principal reduction. Projected total cumulative return: $146,229.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 8.0% |
| Monthly Cash Flow | $851 | $300 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,443 |
| Total Monthly Debt Service | $1,497 |
| DSCR Ratio | 1.63x |
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 1999
2.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32344, Monticello, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,100 (100%) |
| Owner Occupied HU | 4,229 (69.3%) |
| Renter Occupied HU | 1,142 (18.7%) |
| Vacant Housing Units | 729 (12.0%) |
| Median Home Value | $238,535 |
| Average Home Value | $295,786 |
Housing Distribution
Address Breakdown
Residential
5,330
Single Family
5,295
Multi-Family
35
Businesses
311
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 1999
2.83 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32344, Monticello, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,100 (100%) |
| Owner Occupied HU | 4,229 (69.3%) |
| Renter Occupied HU | 1,142 (18.7%) |
| Vacant Housing Units | 729 (12.0%) |
| Median Home Value | $238,535 |
| Average Home Value | $295,786 |
Housing Distribution
Address Breakdown
Residential
5,330
Single Family
5,295
Multi-Family
35
Businesses
311
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices