4512 Mimosa LnCottondaleFL32431
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 4512 Mimosa Ln, Cottondale, FL, 32431 in Cottondale, $204,999, 8.85% gross yield, $152/mo net income. Consider it a market-entry position, the $1,512/mo rent covers the $922/mo payment with a margin, and 5%/yr appreciation is projected to add $56,637 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.64) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $87,872.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.0% |
| Monthly Cash Flow | $152 | $300 |
City averages based on Cottondale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,512 |
| Total Monthly Debt Service | $1,279 |
| DSCR Ratio | 1.18x |
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 1953
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32431, Cottondale, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,299 (100%) |
| Owner Occupied HU | 1,477 (64.2%) |
| Renter Occupied HU | 533 (23.2%) |
| Vacant Housing Units | 289 (12.6%) |
| Median Home Value | $160,764 |
| Average Home Value | $196,302 |
Housing Distribution
Address Breakdown
Residential
2,146
Single Family
2,146
Multi-Family
0
Businesses
94
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 1953
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32431, Cottondale, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,299 (100%) |
| Owner Occupied HU | 1,477 (64.2%) |
| Renter Occupied HU | 533 (23.2%) |
| Vacant Housing Units | 289 (12.6%) |
| Median Home Value | $160,764 |
| Average Home Value | $196,302 |
Housing Distribution
Address Breakdown
Residential
2,146
Single Family
2,146
Multi-Family
0
Businesses
94
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Seamus J O'neill • SOUTHERN WAY REALTY, INC.
Mls Name: CPAR
Mls ID: #784149