454 Cottage Cir #454River RanchFL33867
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 454 Cottage Cir #454, River Ranch, FL, 33867 in River Ranch achieves a 1.78 ratio at $239,000: $1,914/mo rent versus $1,075/mo debt service. Rental yield 9.61%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.61% yield compounds alongside 5% annual appreciation projecting $66,031 in value. Total projected cumulative return: $112,177.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.0% |
| Monthly Cash Flow | $(470) | $1,200 |
City averages based on River Ranch market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,914 |
| Total Monthly Debt Service | $1,491 |
| DSCR Ratio | 1.28x |
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.
Condo
Built in 1966
1,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33867, River Ranch, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 184 (100%) |
| Owner Occupied HU | 20 (10.9%) |
| Renter Occupied HU | 5 ( 2.7%) |
| Vacant Housing Units | 159 (86.4%) |
| Median Home Value | $137,500 |
| Average Home Value | $168,375 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
0
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
Condo
Built in 1966
1,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33867, River Ranch, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 184 (100%) |
| Owner Occupied HU | 20 (10.9%) |
| Renter Occupied HU | 5 ( 2.7%) |
| Vacant Housing Units | 159 (86.4%) |
| Median Home Value | $137,500 |
| Average Home Value | $168,375 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
0
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls ID: #TB8508730