5869 Byrom StMiltonFL32570
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 5869 Byrom St, Milton, FL, 32570 in Milton at $185,000 earns $1,356/mo in rent and nets $128/mo after the $832/mo payment, a 8.8% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $51,112 over five years. Ziffy Mortgage underwrites this on a 1.63 DSCR without U.S. credit history. With $1,704/yr in principal paydown, total projected return reaches $78,761.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $128 | $1,200 |
City averages based on Milton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,356 |
| Total Monthly Debt Service | $1,154 |
| DSCR Ratio | 1.17x |
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 1983
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32570, Milton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,465 (100%) |
| Owner Occupied HU | 10,483 (67.8%) |
| Renter Occupied HU | 3,830 (24.8%) |
| Vacant Housing Units | 1,152 ( 7.4%) |
| Median Home Value | $326,715 |
| Average Home Value | $354,146 |
Housing Distribution
Address Breakdown
Residential
14,622
Single Family
14,490
Multi-Family
132
Businesses
674
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 1983
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32570, Milton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,465 (100%) |
| Owner Occupied HU | 10,483 (67.8%) |
| Renter Occupied HU | 3,830 (24.8%) |
| Vacant Housing Units | 1,152 ( 7.4%) |
| Median Home Value | $326,715 |
| Average Home Value | $354,146 |
Housing Distribution
Address Breakdown
Residential
14,622
Single Family
14,490
Multi-Family
132
Businesses
674
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices