5893 Chi Chi CirMiltonFL32570
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.51% yield at 5893 Chi Chi Cir, Milton, FL, 32570 in Milton is solid, but the $1,559/mo payment compresses net cash flow to $157/mo at $346,700. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $95,787 by year five, and $3,193/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.58) without U.S. income documentation. Total projected return: $142,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.0% |
| Monthly Cash Flow | $157 | $1,200 |
City averages based on Milton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,458 |
| Total Monthly Debt Service | $2,163 |
| DSCR Ratio | 1.14x |
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 N/A
N/A 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 N/A
N/A 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