713 Samanda LnCaryvilleFL32427
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.35% yield at 713 Samanda Ln, Caryville, FL, 32427 in Caryville is solid, but the $462/mo payment compresses net cash flow to $119/mo at $102,800. 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 $28,402 by year five, and $947/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.73) without U.S. income documentation. Total projected return: $46,837.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $119 | $300 |
City averages based on Caryville market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $801 |
| Total Monthly Debt Service | $641 |
| DSCR Ratio | 1.25x |
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 1996
1.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32427, Caryville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 446 (65.2%) |
| Renter Occupied HU | 96 (14.0%) |
| Vacant Housing Units | 142 (20.8%) |
| Median Home Value | $190,278 |
| Average Home Value | $213,178 |
Housing Distribution
Address Breakdown
Residential
536
Single Family
536
Multi-Family
0
Businesses
25
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 1996
1.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32427, Caryville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 446 (65.2%) |
| Renter Occupied HU | 96 (14.0%) |
| Vacant Housing Units | 142 (20.8%) |
| Median Home Value | $190,278 |
| Average Home Value | $213,178 |
Housing Distribution
Address Breakdown
Residential
536
Single Family
536
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices