5435 Torchwood DrBakerFL32531
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 5435 Torchwood Dr, Baker, FL, 32531 in Baker speaks for itself: 10.89% gross on a $329,900 price, generating $2,994/mo in rent and $765/mo in net income after the $1,483/mo debt service. DSCR 2.02, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,177 stacks alongside $91,145 in projected five-year appreciation and $3,038/yr in principal reduction. Projected total cumulative return: $175,183.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 8.0% |
| Monthly Cash Flow | $765 | $150 |
City averages based on Baker market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,994 |
| Total Monthly Debt Service | $2,098 |
| DSCR Ratio | 1.43x |
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 2025
0.25 Acres lot
$N/A/sqft
$475 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32531, Baker, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,909 (100%) |
| Owner Occupied HU | 2,193 (75.4%) |
| Renter Occupied HU | 417 (14.3%) |
| Vacant Housing Units | 299 (10.3%) |
| Median Home Value | $412,049 |
| Average Home Value | $429,881 |
Housing Distribution
Address Breakdown
Residential
2,895
Single Family
2,895
Multi-Family
0
Businesses
104
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 2025
0.25 Acres lot
$N/A/sqft
$475 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32531, Baker, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,909 (100%) |
| Owner Occupied HU | 2,193 (75.4%) |
| Renter Occupied HU | 417 (14.3%) |
| Vacant Housing Units | 299 (10.3%) |
| Median Home Value | $412,049 |
| Average Home Value | $429,881 |
Housing Distribution
Address Breakdown
Residential
2,895
Single Family
2,895
Multi-Family
0
Businesses
104
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Olesya Chatraw • DR Horton Realty of Northwest Florida LLC
Mls Name: ECAOR
Mls Provider:
Mls ID: #988241
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Member number: 28189