615 N Calhoun StQuincyFL32352
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 615 N Calhoun St, Quincy, FL, 32352 in Quincy at $210,000 earns $1,444/mo in rent and nets $50/mo after the $944/mo payment, a 8.25% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $58,019 over five years. Ziffy Mortgage underwrites this on a 1.53 DSCR without U.S. credit history. With $1,934/yr in principal paydown, total projected return reaches $83,347.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $50 | $300 |
City averages based on Quincy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,444 |
| Total Monthly Debt Service | $1,310 |
| DSCR Ratio | 1.10x |
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 1969
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32352, Quincy, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,581 (100%) |
| Owner Occupied HU | 1,824 (70.7%) |
| Renter Occupied HU | 458 (17.7%) |
| Vacant Housing Units | 299 (11.6%) |
| Median Home Value | $194,508 |
| Average Home Value | $236,839 |
Housing Distribution
Address Breakdown
Residential
2,322
Single Family
2,322
Multi-Family
0
Businesses
37
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 1969
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32352, Quincy, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,581 (100%) |
| Owner Occupied HU | 1,824 (70.7%) |
| Renter Occupied HU | 458 (17.7%) |
| Vacant Housing Units | 299 (11.6%) |
| Median Home Value | $194,508 |
| Average Home Value | $236,839 |
Housing Distribution
Address Breakdown
Residential
2,322
Single Family
2,322
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices