595 SW Trenton TerFort WhiteFL32038
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 595 SW Trenton Ter, Fort White, FL, 32038 in Fort White at $195,000 earns $1,493/mo in rent and nets $189/mo after the $877/mo payment, a 9.19% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $53,875 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $1,796/yr in principal paydown, total projected return reaches $87,133.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $189 | $250 |
City averages based on Fort White market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,493 |
| Total Monthly Debt Service | $1,216 |
| DSCR Ratio | 1.23x |
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 2006
1.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32038, Fort White, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,107 (100%) |
| Owner Occupied HU | 3,732 (73.1%) |
| Renter Occupied HU | 582 (11.4%) |
| Vacant Housing Units | 793 (15.5%) |
| Median Home Value | $274,182 |
| Average Home Value | $295,863 |
Housing Distribution
Address Breakdown
Residential
4,379
Single Family
4,379
Multi-Family
0
Businesses
273
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 2006
1.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32038, Fort White, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,107 (100%) |
| Owner Occupied HU | 3,732 (73.1%) |
| Renter Occupied HU | 582 (11.4%) |
| Vacant Housing Units | 793 (15.5%) |
| Median Home Value | $274,182 |
| Average Home Value | $295,863 |
Housing Distribution
Address Breakdown
Residential
4,379
Single Family
4,379
Multi-Family
0
Businesses
273
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shannon Freire-NesSmith • MATCHMAKER REALTY OF ALACHUA COUNTY
Mls Name: Stellar MLS
Mls ID: #GC536760