3704 Diamond StPaceFL32571
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3704 Diamond St, Pace, FL, 32571 in Pace is narrow, $28/mo net on $1,548/mo rent after the $1,030/mo debt service, but the property operates at break-even-plus, not a loss. At $229,000 with a 8.11% yield, the long-run equity case via 5% appreciation ($63,268 over five years) and $2,109/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $89,118.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $28 | $250 |
City averages based on Pace 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 | $1,548 |
| Total Monthly Debt Service | $1,429 |
| 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 2016
10,763 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32571, Milton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,098 (100%) |
| Owner Occupied HU | 13,714 (80.2%) |
| Renter Occupied HU | 2,759 (16.1%) |
| Vacant Housing Units | 625 ( 3.7%) |
| Median Home Value | $360,595 |
| Average Home Value | $389,458 |
Housing Distribution
Address Breakdown
Residential
16,679
Single Family
16,418
Multi-Family
261
Businesses
644
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 2016
10,763 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32571, Milton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,098 (100%) |
| Owner Occupied HU | 13,714 (80.2%) |
| Renter Occupied HU | 2,759 (16.1%) |
| Vacant Housing Units | 625 ( 3.7%) |
| Median Home Value | $360,595 |
| Average Home Value | $389,458 |
Housing Distribution
Address Breakdown
Residential
16,679
Single Family
16,418
Multi-Family
261
Businesses
644
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices