3858 SW 161st StOcalaFL34473
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3858 SW 161st St, Ocala, FL, 34473 in Ocala at $390,000 earns $2,672/mo in rent and nets $84/mo after the $1,754/mo payment, a 8.22% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $107,750 over five years. Ziffy Mortgage underwrites this on a 1.52 DSCR without U.S. credit history. With $3,592/yr in principal paydown, total projected return reaches $154,022.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 8.2% |
| Monthly Cash Flow | $84 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,672 |
| Total Monthly Debt Service | $2,433 |
| DSCR Ratio | 1.10x |
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 2007
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34473, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,053 (100%) |
| Owner Occupied HU | 8,064 (73.0%) |
| Renter Occupied HU | 2,221 (20.1%) |
| Vacant Housing Units | 768 ( 6.9%) |
| Median Home Value | $281,717 |
| Average Home Value | $325,556 |
Housing Distribution
Address Breakdown
Residential
11,597
Single Family
10,596
Multi-Family
1,001
Businesses
138
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 2007
0.57 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34473, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,053 (100%) |
| Owner Occupied HU | 8,064 (73.0%) |
| Renter Occupied HU | 2,221 (20.1%) |
| Vacant Housing Units | 768 ( 6.9%) |
| Median Home Value | $281,717 |
| Average Home Value | $325,556 |
Housing Distribution
Address Breakdown
Residential
11,597
Single Family
10,596
Multi-Family
1,001
Businesses
138
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices