49216 River Bluff DrHilliardFL32046
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 49216 River Bluff Dr, Hilliard, FL, 32046 in Hilliard worth study. Rental yield 4.52%. The 4.52% gross yield is below cash-flow benchmarks at $360,000, but 5% annual appreciation, adding $99,461 over five years, frames this as a capital growth position. Rent of $1,357/mo partially offsets the $1,619/mo payment. Ziffy Mortgage finances appreciation-play properties (0.84 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $70,779.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.0% |
| Monthly Cash Flow | $(1,032) | $1,200 |
City averages based on Hilliard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,357 |
| Total Monthly Debt Service | $2,246 |
| 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
1.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32046, Hilliard, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,069 (100%) |
| Owner Occupied HU | 3,027 (74.4%) |
| Renter Occupied HU | 784 (19.3%) |
| Vacant Housing Units | 258 ( 6.3%) |
| Median Home Value | $356,963 |
| Average Home Value | $406,535 |
Housing Distribution
Address Breakdown
Residential
3,864
Single Family
3,819
Multi-Family
45
Businesses
232
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
1.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32046, Hilliard, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,069 (100%) |
| Owner Occupied HU | 3,027 (74.4%) |
| Renter Occupied HU | 784 (19.3%) |
| Vacant Housing Units | 258 ( 6.3%) |
| Median Home Value | $356,963 |
| Average Home Value | $406,535 |
Housing Distribution
Address Breakdown
Residential
3,864
Single Family
3,819
Multi-Family
45
Businesses
232
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Susan Hughes • FLORIDA HOMES REALTY & MORTGAGE
Mls Name: AINCAR
Mls Provider:
Mls ID: #110658
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.