4906 E Us Highway 90 ELake CityFL32055
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4906 E Us Highway 90 E, Lake City, FL, 32055 in Lake City at $104,900 earns $805/mo in rent and nets $109/mo after the $472/mo payment, a 9.21% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $28,982 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $966/yr in principal paydown, total projected return reaches $47,010.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.0% |
| Monthly Cash Flow | $109 | $200 |
City averages based on Lake City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $805 |
| Total Monthly Debt Service | $654 |
| DSCR Ratio | 1.23x |
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 1994
0.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32055, Lake City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,579 (100%) |
| Owner Occupied HU | 4,454 (58.8%) |
| Renter Occupied HU | 2,219 (29.3%) |
| Vacant Housing Units | 906 (12.0%) |
| Median Home Value | $242,877 |
| Average Home Value | $258,033 |
Housing Distribution
Address Breakdown
Residential
6,768
Single Family
6,718
Multi-Family
50
Businesses
828
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 1994
0.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32055, Lake City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,579 (100%) |
| Owner Occupied HU | 4,454 (58.8%) |
| Renter Occupied HU | 2,219 (29.3%) |
| Vacant Housing Units | 906 (12.0%) |
| Median Home Value | $242,877 |
| Average Home Value | $258,033 |
Housing Distribution
Address Breakdown
Residential
6,768
Single Family
6,718
Multi-Family
50
Businesses
828
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sherry Shaheen • ENGEL & VLKERS
Mls Name: NFMLS
Mls Provider:
Mls ID: #127434
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.