3635 STEPHEN ROADLady LakeFL32159
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3635 STEPHEN ROAD, Lady Lake, FL, 32159 in Lady Lake earns its strong cash-flow label: 11.77% yield, $5,048/mo rent, $1,631/mo net income, DSCR 2.07. The $514,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $142,257 by year five. Combined with $4,316/yr in principal paydown, total projected return reaches $291,562.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 5.0% |
| Monthly Cash Flow | $1,631 | $200 |
City averages based on Lady Lake market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $5,048 |
| Total Monthly Debt Service | $3,338 |
| DSCR Ratio | 1.51x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1990
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32159, Lady Lake, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,860 (100%) |
| Owner Occupied HU | 13,610 (68.5%) |
| Renter Occupied HU | 3,064 (15.4%) |
| Vacant Housing Units | 3,186 (16.0%) |
| Median Home Value | $352,165 |
| Average Home Value | $367,814 |
Housing Distribution
Address Breakdown
Residential
18,353
Single Family
6,385
Multi-Family
11,968
Businesses
722
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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
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