5485 SE 145th StSummerfieldFL34491
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 5485 SE 145th St, Summerfield, FL, 34491 in Summerfield. Rental yield 5.87%. At $589,000 with 5.87% gross yield, current distributions are modest, but the 5% appreciation rate projects $162,730 in new equity by year five, complemented by $5,425/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.09) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $158,300.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.0% |
| Monthly Cash Flow | $(1,029) | $300 |
City averages based on Summerfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $3,674 |
| DSCR Ratio | 0.78x |
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 2000
4.83 Acres lot
$N/A/sqft
No HOA
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 2000
4.83 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elaine Cooper • LPT Realty, LLC
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #849396
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