513 Sapphire LnOcalaFL34472
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 513 Sapphire Ln, Ocala, FL, 34472 in Ocala worth study. Rental yield 5.65%. The 5.65% gross yield is below cash-flow benchmarks at $289,000, but 5% annual appreciation, adding $79,845 over five years, frames this as a capital growth position. Rent of $1,554/mo partially offsets the $1,300/mo payment. Ziffy Mortgage finances appreciation-play properties (1.20 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $86,716.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 8.2% |
| Monthly Cash Flow | $(636) | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,554 |
| Total Monthly Debt Service | $1,803 |
| 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 1983
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34472, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,093 (100%) |
| Owner Occupied HU | 10,835 (71.8%) |
| Renter Occupied HU | 2,958 (19.6%) |
| Vacant Housing Units | 1,300 ( 8.6%) |
| Median Home Value | $204,698 |
| Average Home Value | $252,543 |
Housing Distribution
Address Breakdown
Residential
14,477
Single Family
14,083
Multi-Family
394
Businesses
236
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 1983
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34472, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,093 (100%) |
| Owner Occupied HU | 10,835 (71.8%) |
| Renter Occupied HU | 2,958 (19.6%) |
| Vacant Housing Units | 1,300 ( 8.6%) |
| Median Home Value | $204,698 |
| Average Home Value | $252,543 |
Housing Distribution
Address Breakdown
Residential
14,477
Single Family
14,083
Multi-Family
394
Businesses
236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices