3657 Luxor WayMiddleburgFL32068
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3657 Luxor Way, Middleburg, FL, 32068 in Middleburg earns a 9.63% gross yield at $272,990. Rent of $2,190/mo nets $378/mo after the $1,228/mo mortgage. The 1.78 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $75,422 and $2,514/yr in equity accumulation project a total cumulative return of $128,391.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 7.0% |
| Monthly Cash Flow | $378 | $300 |
City averages based on Middleburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,190 |
| Total Monthly Debt Service | $1,703 |
| DSCR Ratio | 1.29x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32068, Middleburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,808 (100%) |
| Owner Occupied HU | 18,514 (77.8%) |
| Renter Occupied HU | 4,060 (17.1%) |
| Vacant Housing Units | 1,234 ( 5.2%) |
| Median Home Value | $339,221 |
| Average Home Value | $349,755 |
Housing Distribution
Address Breakdown
Residential
22,770
Single Family
22,515
Multi-Family
255
Businesses
496
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32068, Middleburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,808 (100%) |
| Owner Occupied HU | 18,514 (77.8%) |
| Renter Occupied HU | 4,060 (17.1%) |
| Vacant Housing Units | 1,234 ( 5.2%) |
| Median Home Value | $339,221 |
| Average Home Value | $349,755 |
Housing Distribution
Address Breakdown
Residential
22,770
Single Family
22,515
Multi-Family
255
Businesses
496
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Meritage Homes
Mls Name: Meritage Homes
Mls Provider:
Mls ID: #N/A