45103 Amhurst Oaks DrCallahanFL32011
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 45103 Amhurst Oaks Dr, Callahan, FL, 32011 in Callahan is narrow, $39/mo net on $2,788/mo rent after the $1,700/mo debt service, but the property operates at break-even-plus, not a loss. At $378,000 with a 8.85% yield, the long-run equity case via 5% appreciation ($104,434 over five years) and $3,481/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.64 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $147,657.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $39 | $1,500 |
City averages based on Callahan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,788 |
| Total Monthly Debt Service | $2,598 |
| DSCR Ratio | 1.07x |
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 2006
6,534 sqft lot
$N/A/sqft
$240 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32011, Callahan, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,371 (100%) |
| Owner Occupied HU | 5,031 (79.0%) |
| Renter Occupied HU | 1,026 (16.1%) |
| Vacant Housing Units | 314 ( 4.9%) |
| Median Home Value | $389,094 |
| Average Home Value | $471,996 |
Housing Distribution
Address Breakdown
Residential
6,170
Single Family
6,142
Multi-Family
28
Businesses
352
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 2006
6,534 sqft lot
$N/A/sqft
$240 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32011, Callahan, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,371 (100%) |
| Owner Occupied HU | 5,031 (79.0%) |
| Renter Occupied HU | 1,026 (16.1%) |
| Vacant Housing Units | 314 ( 4.9%) |
| Median Home Value | $389,094 |
| Average Home Value | $471,996 |
Housing Distribution
Address Breakdown
Residential
6,170
Single Family
6,142
Multi-Family
28
Businesses
352
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: B J Powell • FLORIDA HOMES REALTY & MORTGAGE
Mls Name: AINCAR
Mls Provider:
Mls ID: #112176
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.