5522 Jacob AvePolk CityFL33868
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 5522 Jacob Ave, Polk City, FL, 33868 in Polk City. Priced at $154,900, it generates $1,860/mo in gross rent and $832/mo in net monthly cash flow, a 14.41% yield that comfortably supports the 2.67 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,985. Five-year appreciation: $42,796. Equity from principal paydown: $1,427/yr. Total projected cumulative return: $112,581.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.4% | 6.0% |
| Monthly Cash Flow | $832 | $1,200 |
City averages based on Polk City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,860 |
| Total Monthly Debt Service | $966 |
| DSCR Ratio | 1.92x |
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 1982
9,374 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33868, Polk City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,455 (100%) |
| Owner Occupied HU | 4,110 (75.3%) |
| Renter Occupied HU | 673 (12.3%) |
| Vacant Housing Units | 672 (12.3%) |
| Median Home Value | $285,309 |
| Average Home Value | $334,063 |
Housing Distribution
Address Breakdown
Residential
5,227
Single Family
5,198
Multi-Family
29
Businesses
190
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 1982
9,374 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33868, Polk City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,455 (100%) |
| Owner Occupied HU | 4,110 (75.3%) |
| Renter Occupied HU | 673 (12.3%) |
| Vacant Housing Units | 672 (12.3%) |
| Median Home Value | $285,309 |
| Average Home Value | $334,063 |
Housing Distribution
Address Breakdown
Residential
5,227
Single Family
5,198
Multi-Family
29
Businesses
190
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices