452 NW Gar Pond CtWhite SpringsFL32096
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 452 NW Gar Pond Ct, White Springs, FL, 32096 in White Springs is capital appreciation. Rental yield 0%. The 0% gross yield at $179,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $49,703 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.80) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $85,510.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 10.0% |
| Monthly Cash Flow | $0 | $200 |
City averages based on White Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,457 |
| Total Monthly Debt Service | $1,122 |
| DSCR Ratio | 1.30x |
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.
Manufactured
Built in 1990
1.24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32096, White Springs, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,499 (100%) |
| Owner Occupied HU | 981 (65.4%) |
| Renter Occupied HU | 245 (16.3%) |
| Vacant Housing Units | 273 (18.2%) |
| Median Home Value | $136,058 |
| Average Home Value | $183,186 |
Housing Distribution
Address Breakdown
Residential
1,152
Single Family
1,145
Multi-Family
7
Businesses
89
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
Manufactured
Built in 1990
1.24 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32096, White Springs, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,499 (100%) |
| Owner Occupied HU | 981 (65.4%) |
| Renter Occupied HU | 245 (16.3%) |
| Vacant Housing Units | 273 (18.2%) |
| Median Home Value | $136,058 |
| Average Home Value | $183,186 |
Housing Distribution
Address Breakdown
Residential
1,152
Single Family
1,145
Multi-Family
7
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristina Porter • DANIEL CRAPPS AGENCY, INC
Mls Name: NFMLS
Mls Provider:
Mls ID: #125058
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.