44 Ponderosa LnMidwayFL32343
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 44 Ponderosa Ln, Midway, FL, 32343 in Midway speaks for itself: 18.05% gross on a $274,900 price, generating $4,135/mo in rent and $2,311/mo in net income after the $1,236/mo debt service. DSCR 3.35, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $27,731 stacks alongside $75,950 in projected five-year appreciation and $2,532/yr in principal reduction. Projected total cumulative return: $253,530.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.1% | 6.0% |
| Monthly Cash Flow | $2,311 | $250 |
City averages based on Midway market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,135 |
| Total Monthly Debt Service | $1,715 |
| DSCR Ratio | 2.41x |
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
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32343, Midway, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,290 (100%) |
| Owner Occupied HU | 1,002 (77.7%) |
| Renter Occupied HU | 202 (15.7%) |
| Vacant Housing Units | 86 ( 6.7%) |
| Median Home Value | $209,770 |
| Average Home Value | $258,211 |
Housing Distribution
Address Breakdown
Residential
1,402
Single Family
1,307
Multi-Family
95
Businesses
172
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
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32343, Midway, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,290 (100%) |
| Owner Occupied HU | 1,002 (77.7%) |
| Renter Occupied HU | 202 (15.7%) |
| Vacant Housing Units | 86 ( 6.7%) |
| Median Home Value | $209,770 |
| Average Home Value | $258,211 |
Housing Distribution
Address Breakdown
Residential
1,402
Single Family
1,307
Multi-Family
95
Businesses
172
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices