4766 ACACIA StreetMiddleburgFL32068
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4766 ACACIA Street, Middleburg, FL, 32068 in Middleburg at $179,900 earns $1,363/mo in rent and nets $169/mo after the $809/mo payment, a 9.09% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $49,703 over five years. Ziffy Mortgage underwrites this on a 1.68 DSCR without U.S. credit history. With $1,657/yr in principal paydown, total projected return reaches $79,462.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 7.0% |
| Monthly Cash Flow | $169 | $300 |
City averages based on Middleburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,363 |
| Total Monthly Debt Service | $1,122 |
| DSCR Ratio | 1.21x |
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 1999
1.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32068, Middleburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,808 (100%) |
| Owner Occupied HU | 18,514 (77.8%) |
| Renter Occupied HU | 4,060 (17.1%) |
| Vacant Housing Units | 1,234 ( 5.2%) |
| Median Home Value | $339,221 |
| Average Home Value | $349,755 |
Housing Distribution
Address Breakdown
Residential
22,770
Single Family
22,515
Multi-Family
255
Businesses
496
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 1999
1.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32068, Middleburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,808 (100%) |
| Owner Occupied HU | 18,514 (77.8%) |
| Renter Occupied HU | 4,060 (17.1%) |
| Vacant Housing Units | 1,234 ( 5.2%) |
| Median Home Value | $339,221 |
| Average Home Value | $349,755 |
Housing Distribution
Address Breakdown
Residential
22,770
Single Family
22,515
Multi-Family
255
Businesses
496
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: TOMMY L MOORE, JR. • RIVER OAK REALTY
Mls Name: realMLS
Mls ID: #2107564