3821 ATHENIAN WayMiddleburgFL32068
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 3821 ATHENIAN Way, Middleburg, FL, 32068 in Middleburg is listed at $240,490 and delivers $2,220/mo in rent and $466/mo in net monthly cash flow. The 11.08% yield and 2.05 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $66,443 over five years, and $2,215/yr in principal reduction supplements cash return. Total projected cumulative return: $131,891.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 7.0% |
| Monthly Cash Flow | $466 | $300 |
City averages based on Middleburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $1,500 |
| DSCR Ratio | 1.48x |
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.
Townhouse
Built in 2026
1,742 sqft 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
Townhouse
Built in 2026
1,742 sqft 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 • N/A
Mls Name: realMLS
Mls ID: #2137649