4125 Mandarin RdSebringFL33875
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.02% yield at 4125 Mandarin Rd, Sebring, FL, 33875 in Sebring is solid, but the $1,039/mo payment compresses net cash flow to $11/mo at $231,100. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $63,849 by year five, and $2,128/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.50) without U.S. income documentation. Total projected return: $89,615.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $11 | $250 |
City averages based on Sebring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,557 |
| Total Monthly Debt Service | $1,442 |
| DSCR Ratio | 1.08x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33875, Sebring, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,816 (100%) |
| Owner Occupied HU | 4,279 (73.6%) |
| Renter Occupied HU | 607 (10.4%) |
| Vacant Housing Units | 930 (16.0%) |
| Median Home Value | $270,282 |
| Average Home Value | $293,488 |
Housing Distribution
Address Breakdown
Residential
5,934
Single Family
5,398
Multi-Family
536
Businesses
59
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33875, Sebring, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,816 (100%) |
| Owner Occupied HU | 4,279 (73.6%) |
| Renter Occupied HU | 607 (10.4%) |
| Vacant Housing Units | 930 (16.0%) |
| Median Home Value | $270,282 |
| Average Home Value | $293,488 |
Housing Distribution
Address Breakdown
Residential
5,934
Single Family
5,398
Multi-Family
536
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices