4638 N Ellen PointCrystal RiverFL34428
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4638 N Ellen Point, Crystal River, FL, 34428 in Crystal River is a solid income-producing rental, 11.16% gross yield, $1,553/mo rent, $445/mo net cash flow on a $167,000 buy. DSCR 2.07 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $46,139 and $1,538/yr in principal reduction project a total cumulative return of $92,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.0% |
| Monthly Cash Flow | $445 | $300 |
City averages based on Crystal River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,553 |
| Total Monthly Debt Service | $1,042 |
| DSCR Ratio | 1.49x |
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 2021
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34428, Crystal River, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,401 (100%) |
| Owner Occupied HU | 3,519 (65.2%) |
| Renter Occupied HU | 1,044 (19.3%) |
| Vacant Housing Units | 838 (15.5%) |
| Median Home Value | $326,153 |
| Average Home Value | $350,676 |
Housing Distribution
Address Breakdown
Residential
5,072
Single Family
4,921
Multi-Family
151
Businesses
268
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 2021
1.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34428, Crystal River, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,401 (100%) |
| Owner Occupied HU | 3,519 (65.2%) |
| Renter Occupied HU | 1,044 (19.3%) |
| Vacant Housing Units | 838 (15.5%) |
| Median Home Value | $326,153 |
| Average Home Value | $350,676 |
Housing Distribution
Address Breakdown
Residential
5,072
Single Family
4,921
Multi-Family
151
Businesses
268
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Buteau Jr • LPT Realty, LLC
Mls Name: Realtors Association of Citrus County
Mls ID: #850652