6138 SW 121st TerOcalaFL34481
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 6138 SW 121st Ter, Ocala, FL, 34481 in Ocala: $3,871/mo in rent, $559/mo in net income, 9.72% gross yield, 1.80 DSCR, all at $478,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $132,063 in appreciation and $4,402/yr in principal paydown projects total cumulative return of $218,739.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 8.2% |
| Monthly Cash Flow | $559 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,871 |
| Total Monthly Debt Service | $3,123 |
| DSCR Ratio | 1.24x |
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 2022
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34481, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,207 (100%) |
| Owner Occupied HU | 14,525 (84.4%) |
| Renter Occupied HU | 1,169 ( 6.8%) |
| Vacant Housing Units | 1,513 ( 8.8%) |
| Median Home Value | $320,437 |
| Average Home Value | $318,623 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
12,256
Multi-Family
3,878
Businesses
315
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 2022
1.14 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34481, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,207 (100%) |
| Owner Occupied HU | 14,525 (84.4%) |
| Renter Occupied HU | 1,169 ( 6.8%) |
| Vacant Housing Units | 1,513 ( 8.8%) |
| Median Home Value | $320,437 |
| Average Home Value | $318,623 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
12,256
Multi-Family
3,878
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices