4850 SW 91st Ter #P301GainesvilleFL32608
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 4850 SW 91st Ter #P301, Gainesville, FL, 32608 in Gainesville at $240,000 earns $2,122/mo in rent and nets $144/mo after the $1,079/mo payment, a 10.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $66,308 over five years. Ziffy Mortgage underwrites this on a 1.97 DSCR without U.S. credit history. With $2,210/yr in principal paydown, total projected return reaches $102,438.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.0% |
| Monthly Cash Flow | $144 | $300 |
City averages based on Gainesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,122 |
| Total Monthly Debt Service | $1,882 |
| DSCR Ratio | 1.13x |
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 2003
1,538 sqft lot
$N/A/sqft
$385 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32608, Gainesville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,458 (100%) |
| Owner Occupied HU | 9,587 (37.7%) |
| Renter Occupied HU | 13,938 (54.7%) |
| Vacant Housing Units | 1,933 ( 7.6%) |
| Median Home Value | $394,846 |
| Average Home Value | $429,933 |
Housing Distribution
Address Breakdown
Residential
23,637
Single Family
12,924
Multi-Family
10,713
Businesses
1,001
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 2003
1,538 sqft lot
$N/A/sqft
$385 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32608, Gainesville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,458 (100%) |
| Owner Occupied HU | 9,587 (37.7%) |
| Renter Occupied HU | 13,938 (54.7%) |
| Vacant Housing Units | 1,933 ( 7.6%) |
| Median Home Value | $394,846 |
| Average Home Value | $429,933 |
Housing Distribution
Address Breakdown
Residential
23,637
Single Family
12,924
Multi-Family
10,713
Businesses
1,001
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices