520 HICKORY NUT TrailSatsumaFL32189
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 520 HICKORY NUT Trail, Satsuma, FL, 32189 in Satsuma at $189,900 earns $1,372/mo in rent and nets $111/mo after the $854/mo payment, a 8.67% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,466 over five years. Ziffy Mortgage underwrites this on a 1.61 DSCR without U.S. credit history. With $1,749/yr in principal paydown, total projected return reaches $79,602.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 7.0% |
| Monthly Cash Flow | $111 | $300 |
City averages based on Satsuma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,372 |
| Total Monthly Debt Service | $1,185 |
| DSCR Ratio | 1.16x |
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 2025
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32189, Satsuma, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,467 (100%) |
| Owner Occupied HU | 2,237 (64.5%) |
| Renter Occupied HU | 467 (13.5%) |
| Vacant Housing Units | 763 (22.0%) |
| Median Home Value | $121,688 |
| Average Home Value | $206,308 |
Housing Distribution
Address Breakdown
Residential
2,813
Single Family
2,658
Multi-Family
155
Businesses
43
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 2025
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32189, Satsuma, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,467 (100%) |
| Owner Occupied HU | 2,237 (64.5%) |
| Renter Occupied HU | 467 (13.5%) |
| Vacant Housing Units | 763 (22.0%) |
| Median Home Value | $121,688 |
| Average Home Value | $206,308 |
Housing Distribution
Address Breakdown
Residential
2,813
Single Family
2,658
Multi-Family
155
Businesses
43
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices