5061 SW 109th LoopOcalaFL34476
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 5061 SW 109th Loop, Ocala, FL, 34476 in Ocala at $249,900 earns $1,739/mo in rent and nets $81/mo after the $1,124/mo payment, a 8.35% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $69,043 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $2,302/yr in principal paydown, total projected return reaches $100,433.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.2% |
| Monthly Cash Flow | $81 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,739 |
| Total Monthly Debt Service | $1,559 |
| DSCR Ratio | 1.12x |
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.
Single Family
Built in 2004
0.49 Acres 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
Single Family
Built in 2004
0.49 Acres 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