5381 College DrGracevilleFL32440
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5381 College Dr, Graceville, FL, 32440 in Graceville speaks for itself: 10.11% gross on a $359,900 price, generating $3,031/mo in rent and $643/mo in net income after the $1,618/mo debt service. DSCR 1.87, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $7,714 stacks alongside $99,434 in projected five-year appreciation and $3,315/yr in principal reduction. Projected total cumulative return: $178,590.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $643 | $250 |
City averages based on Graceville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,031 |
| Total Monthly Debt Service | $2,245 |
| DSCR Ratio | 1.35x |
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 1989
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32440, Graceville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,459 (100%) |
| Owner Occupied HU | 1,550 (63.0%) |
| Renter Occupied HU | 652 (26.5%) |
| Vacant Housing Units | 257 (10.5%) |
| Median Home Value | $119,744 |
| Average Home Value | $189,998 |
Housing Distribution
Address Breakdown
Residential
2,383
Single Family
2,275
Multi-Family
108
Businesses
185
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 1989
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32440, Graceville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,459 (100%) |
| Owner Occupied HU | 1,550 (63.0%) |
| Renter Occupied HU | 652 (26.5%) |
| Vacant Housing Units | 257 (10.5%) |
| Median Home Value | $119,744 |
| Average Home Value | $189,998 |
Housing Distribution
Address Breakdown
Residential
2,383
Single Family
2,275
Multi-Family
108
Businesses
185
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cindy R Birge • Elite Realty
Mls Name: CPAR
Mls ID: #782147