4903 SW 81st LoopOcalaFL34476
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4903 SW 81st Loop, Ocala, FL, 34476 in Ocala deserves attention. This $231,980 property earns $2,624/mo in rent, a 13.58% gross yield, and nets $1,085/mo after the $1,043/mo payment. DSCR 2.52 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $64,092 compounds alongside $2,137/yr in yearly equity build, for a total cumulative return of $158,208.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 8.2% |
| Monthly Cash Flow | $1,085 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,624 |
| Total Monthly Debt Service | $1,447 |
| DSCR Ratio | 1.81x |
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.
Townhouse
Built in 2025
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34476, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,128 (100%) |
| Owner Occupied HU | 12,537 (82.9%) |
| Renter Occupied HU | 1,584 (10.5%) |
| Vacant Housing Units | 1,007 ( 6.7%) |
| Median Home Value | $330,575 |
| Average Home Value | $348,208 |
Housing Distribution
Address Breakdown
Residential
13,956
Single Family
13,483
Multi-Family
473
Businesses
238
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
Townhouse
Built in 2025
1,742 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34476, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,128 (100%) |
| Owner Occupied HU | 12,537 (82.9%) |
| Renter Occupied HU | 1,584 (10.5%) |
| Vacant Housing Units | 1,007 ( 6.7%) |
| Median Home Value | $330,575 |
| Average Home Value | $348,208 |
Housing Distribution
Address Breakdown
Residential
13,956
Single Family
13,483
Multi-Family
473
Businesses
238
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices