4120 Helena StHastingsFL32145
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4120 Helena St, Hastings, FL, 32145 in Hastings speaks for itself: 23.52% gross on a $244,900 price, generating $4,800/mo in rent and $3,175/mo in net income after the $1,101/mo debt service. DSCR 4.36, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $38,098 stacks alongside $67,661 in projected five-year appreciation and $2,256/yr in principal reduction. Projected total cumulative return: $297,679.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.5% | 6.0% |
| Monthly Cash Flow | $3,175 | $1,500 |
City averages based on Hastings market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,800 |
| Total Monthly Debt Service | $1,528 |
| DSCR Ratio | 3.14x |
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.
Manufactured
Built in 1997
2.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32145, Hastings, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,693 (100%) |
| Owner Occupied HU | 2,077 (77.1%) |
| Renter Occupied HU | 352 (13.1%) |
| Vacant Housing Units | 264 ( 9.8%) |
| Median Home Value | $216,616 |
| Average Home Value | $310,785 |
Housing Distribution
Address Breakdown
Residential
2,347
Single Family
2,347
Multi-Family
0
Businesses
110
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
Manufactured
Built in 1997
2.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32145, Hastings, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,693 (100%) |
| Owner Occupied HU | 2,077 (77.1%) |
| Renter Occupied HU | 352 (13.1%) |
| Vacant Housing Units | 264 ( 9.8%) |
| Median Home Value | $216,616 |
| Average Home Value | $310,785 |
Housing Distribution
Address Breakdown
Residential
2,347
Single Family
2,347
Multi-Family
0
Businesses
110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices