37461 Whisper WayHilliardFL32046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 37461 Whisper Way, Hilliard, FL, 32046 in Hilliard earns a 9.88% gross yield at $265,900. Rent of $2,190/mo nets $385/mo after the $1,196/mo mortgage. The 1.83 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $73,463 and $2,449/yr in equity accumulation project a total cumulative return of $126,303.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.0% |
| Monthly Cash Flow | $385 | $1,200 |
City averages based on Hilliard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,190 |
| Total Monthly Debt Service | $1,699 |
| 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 2024
6,011 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
6,011 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