6396 Terra Sombra CtMiltonFL32583
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 6396 Terra Sombra Ct, Milton, FL, 32583 in Milton worth study. Rental yield 2.37%. The 2.37% gross yield is below cash-flow benchmarks at $1,450,000, but 5% annual appreciation, adding $400,608 over five years, frames this as a capital growth position. Rent of $2,867/mo partially offsets the $6,520/mo payment. Ziffy Mortgage finances appreciation-play properties (0.44 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $112,950.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 6.0% |
| Monthly Cash Flow | $(6,839) | $1,200 |
City averages based on Milton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,867 |
| Total Monthly Debt Service | $9,129 |
| DSCR Ratio | 0.31x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
4.59 Acres lot
$N/A/sqft
$1,000 annually HOA
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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
4.59 Acres lot
$N/A/sqft
$1,000 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices