37477 WHISPER WayHilliardFL32046
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 37477 WHISPER Way, Hilliard, FL, 32046 in Hilliard at $275,900 earns $2,027/mo in rent and nets $156/mo after the $1,241/mo payment, a 8.82% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $76,226 over five years. Ziffy Mortgage underwrites this on a 1.63 DSCR without U.S. credit history. With $2,541/yr in principal paydown, total projected return reaches $115,366.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $156 | $1,200 |
City averages based on Hilliard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,027 |
| Total Monthly Debt Service | $1,761 |
| DSCR Ratio | 1.15x |
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