36234 PITCH LaneHilliardFL32046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 36234 PITCH Lane, Hilliard, FL, 32046 in Hilliard is narrow, $100/mo net on $4,940/mo rent after the $3,228/mo debt service, but the property operates at break-even-plus, not a loss. At $717,900 with a 8.26% yield, the long-run equity case via 5% appreciation ($198,343 over five years) and $6,612/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.53 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $280,392.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $100 | $1,200 |
City averages based on Hilliard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,940 |
| Total Monthly Debt Service | $4,554 |
| DSCR Ratio | 1.08x |
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 2024
1.33 Acres lot
$N/A/sqft
$76 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32046, Hilliard, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,069 (100%) |
| Owner Occupied HU | 3,027 (74.4%) |
| Renter Occupied HU | 784 (19.3%) |
| Vacant Housing Units | 258 ( 6.3%) |
| Median Home Value | $356,963 |
| Average Home Value | $406,535 |
Housing Distribution
Address Breakdown
Residential
3,864
Single Family
3,819
Multi-Family
45
Businesses
232
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 2024
1.33 Acres lot
$N/A/sqft
$76 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32046, Hilliard, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,069 (100%) |
| Owner Occupied HU | 3,027 (74.4%) |
| Renter Occupied HU | 784 (19.3%) |
| Vacant Housing Units | 258 ( 6.3%) |
| Median Home Value | $356,963 |
| Average Home Value | $406,535 |
Housing Distribution
Address Breakdown
Residential
3,864
Single Family
3,819
Multi-Family
45
Businesses
232
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices