345 N Lochview TerCrystal RiverFL34429
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 345 N Lochview Ter, Crystal River, FL, 34429 in Crystal River at $165,000 earns $1,315/mo in rent and nets $119/mo after the $742/mo payment, a 9.56% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $45,586 over five years. Ziffy Mortgage underwrites this on a 1.77 DSCR without U.S. credit history. With $1,520/yr in principal paydown, total projected return reaches $71,006.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $119 | $300 |
City averages based on Crystal River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,315 |
| Total Monthly Debt Service | $1,130 |
| DSCR Ratio | 1.16x |
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.
Multi Family
Built in 1974
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34429, Crystal River, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,687 (100%) |
| Owner Occupied HU | 3,454 (60.7%) |
| Renter Occupied HU | 846 (14.9%) |
| Vacant Housing Units | 1,387 (24.4%) |
| Median Home Value | $308,497 |
| Average Home Value | $360,597 |
Housing Distribution
Address Breakdown
Residential
4,888
Single Family
4,852
Multi-Family
36
Businesses
692
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
Multi Family
Built in 1974
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34429, Crystal River, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,687 (100%) |
| Owner Occupied HU | 3,454 (60.7%) |
| Renter Occupied HU | 846 (14.9%) |
| Vacant Housing Units | 1,387 (24.4%) |
| Median Home Value | $308,497 |
| Average Home Value | $360,597 |
Housing Distribution
Address Breakdown
Residential
4,888
Single Family
4,852
Multi-Family
36
Businesses
692
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Hanna • Century 21 J.W.Morton R.E.
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #841300
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.