37386 Whisper WayHilliardFL32046
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow37386 Whisper Way, Hilliard, FL, 32046 in Hilliard is a top-tier cash-flow asset. At $342,900 it produces $3,688/mo in rent and $1,372/mo in net monthly income, a 12.9% gross rental yield. The DSCR of 2.39 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $16,465. Five-year appreciation adds $94,737, driving a total cumulative return of $219,183.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.9% | 6.0% |
| Monthly Cash Flow | $1,372 | $1,200 |
City averages based on Hilliard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,688 |
| Total Monthly Debt Service | $2,179 |
| DSCR Ratio | 1.69x |
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
7,405 sqft lot
$N/A/sqft
$40 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
7,405 sqft lot
$N/A/sqft
$40 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