4862 NE Bellville RdPinettaFL32350
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play4862 NE Bellville Rd, Pinetta, FL, 32350 in Pinetta is priced for appreciation, not yield. Rental yield 4.53%. At $598,900 with a 4.53% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $165,465 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.84) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $117,799.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.0% |
| Monthly Cash Flow | $(1,716) | $300 |
City averages based on Pinetta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,258 |
| Total Monthly Debt Service | $3,736 |
| DSCR Ratio | 0.60x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 2000
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32350, Pinetta, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 735 (100%) |
| Owner Occupied HU | 511 (69.5%) |
| Renter Occupied HU | 87 (11.8%) |
| Vacant Housing Units | 137 (18.6%) |
| Median Home Value | $189,541 |
| Average Home Value | $214,247 |
Housing Distribution
Address Breakdown
Residential
561
Single Family
561
Multi-Family
0
Businesses
20
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
Single Family
Built in 2000
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32350, Pinetta, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 735 (100%) |
| Owner Occupied HU | 511 (69.5%) |
| Renter Occupied HU | 87 (11.8%) |
| Vacant Housing Units | 137 (18.6%) |
| Median Home Value | $189,541 |
| Average Home Value | $214,247 |
Housing Distribution
Address Breakdown
Residential
561
Single Family
561
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices