4414 NE 31st StOcalaFL34470
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4414 NE 31st St, Ocala, FL, 34470 in Ocala at $289,000 earns $2,244/mo in rent and nets $171/mo after the $1,300/mo payment, a 9.07% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $79,845 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $2,662/yr in principal paydown, total projected return reaches $131,128.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.2% |
| Monthly Cash Flow | $171 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,244 |
| Total Monthly Debt Service | $1,803 |
| DSCR Ratio | 1.24x |
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 2023
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34470, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,189 (100%) |
| Owner Occupied HU | 5,766 (56.6%) |
| Renter Occupied HU | 3,623 (35.6%) |
| Vacant Housing Units | 800 ( 7.9%) |
| Median Home Value | $223,471 |
| Average Home Value | $287,143 |
Housing Distribution
Address Breakdown
Residential
9,663
Single Family
8,238
Multi-Family
1,425
Businesses
1,264
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 2023
7,841 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34470, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,189 (100%) |
| Owner Occupied HU | 5,766 (56.6%) |
| Renter Occupied HU | 3,623 (35.6%) |
| Vacant Housing Units | 800 ( 7.9%) |
| Median Home Value | $223,471 |
| Average Home Value | $287,143 |
Housing Distribution
Address Breakdown
Residential
9,663
Single Family
8,238
Multi-Family
1,425
Businesses
1,264
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices