4976 Sandpiper DrOxfordFL34484
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4976 Sandpiper Dr, Oxford, FL, 34484 in Oxford is capital appreciation. Rental yield 5.92%. The 5.92% gross yield at $484,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $133,969 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.19) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $144,529.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.0% |
| Monthly Cash Flow | $(1,216) | $300 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,591 |
| Total Monthly Debt Service | $3,025 |
| DSCR Ratio | 0.86x |
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 2017
10,785 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34484, Oxford, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,708 (100%) |
| Owner Occupied HU | 2,087 (56.3%) |
| Renter Occupied HU | 1,006 (27.1%) |
| Vacant Housing Units | 615 (16.6%) |
| Median Home Value | $474,470 |
| Average Home Value | $560,171 |
Housing Distribution
Address Breakdown
Residential
3,501
Single Family
1,966
Multi-Family
1,535
Businesses
250
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 2017
10,785 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34484, Oxford, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,708 (100%) |
| Owner Occupied HU | 2,087 (56.3%) |
| Renter Occupied HU | 1,006 (27.1%) |
| Vacant Housing Units | 615 (16.6%) |
| Median Home Value | $474,470 |
| Average Home Value | $560,171 |
Housing Distribution
Address Breakdown
Residential
3,501
Single Family
1,966
Multi-Family
1,535
Businesses
250
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices