5458 Highway 4BakerFL32531
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 5458 Highway 4, Baker, FL, 32531 in Baker is narrow, $112/mo net on $1,558/mo rent after the $980/mo debt service, but the property operates at break-even-plus, not a loss. At $217,900 with a 8.58% yield, the long-run equity case via 5% appreciation ($60,202 over five years) and $2,007/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $90,273.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 8.0% |
| Monthly Cash Flow | $112 | $150 |
City averages based on Baker market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,558 |
| Total Monthly Debt Service | $1,359 |
| DSCR Ratio | 1.15x |
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 1998
1.02 Acres lot
$N/A/sqft
No 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
Manufactured
Built in 1998
1.02 Acres lot
$N/A/sqft
No 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