3631 N Moss Creek PointLecantoFL34461
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 3631 N Moss Creek Point, Lecanto, FL, 34461 in Lecanto offers a clean, manageable entry. Rental yield 6.73%. DSCR 1.25 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $175,439 in additional property value over five years, with $5,848/yr in principal equity building ownership stake. Total projected cumulative return: $187,289.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.5% |
| Monthly Cash Flow | $(866) | $250 |
City averages based on Lecanto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,562 |
| Total Monthly Debt Service | $4,175 |
| DSCR Ratio | 0.85x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1988
1.23 Acres lot
$N/A/sqft
$640 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34461, Lecanto, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,511 (100%) |
| Owner Occupied HU | 4,308 (78.2%) |
| Renter Occupied HU | 663 (12.0%) |
| Vacant Housing Units | 540 ( 9.8%) |
| Median Home Value | $333,631 |
| Average Home Value | $379,618 |
Housing Distribution
Address Breakdown
Residential
5,214
Single Family
4,830
Multi-Family
384
Businesses
380
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 1988
1.23 Acres lot
$N/A/sqft
$640 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34461, Lecanto, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,511 (100%) |
| Owner Occupied HU | 4,308 (78.2%) |
| Renter Occupied HU | 663 (12.0%) |
| Vacant Housing Units | 540 ( 9.8%) |
| Median Home Value | $333,631 |
| Average Home Value | $379,618 |
Housing Distribution
Address Breakdown
Residential
5,214
Single Family
4,830
Multi-Family
384
Businesses
380
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Darryl Donkel • Home Wise Realty Group, Inc.
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #840987
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.