7647 95th PlLive OakFL32060
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.89% yield at 7647 95th Pl, Live Oak, FL, 32060 in Live Oak is solid, but the $812/mo payment compresses net cash flow to $120/mo at $180,500. 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 $49,869 by year five, and $1,662/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.91) without U.S. income documentation. Total projected return: $90,567.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.5% |
| Monthly Cash Flow | $120 | $400 |
City averages based on Live Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,554 |
| Total Monthly Debt Service | $1,145 |
| DSCR Ratio | 1.36x |
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 1999
5.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32060, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,483 (100%) |
| Owner Occupied HU | 6,531 (68.9%) |
| Renter Occupied HU | 1,803 (19.0%) |
| Vacant Housing Units | 1,149 (12.1%) |
| Median Home Value | $212,676 |
| Average Home Value | $246,963 |
Housing Distribution
Address Breakdown
Residential
8,716
Single Family
8,565
Multi-Family
151
Businesses
213
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 1999
5.61 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32060, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,483 (100%) |
| Owner Occupied HU | 6,531 (68.9%) |
| Renter Occupied HU | 1,803 (19.0%) |
| Vacant Housing Units | 1,149 (12.1%) |
| Median Home Value | $212,676 |
| Average Home Value | $246,963 |
Housing Distribution
Address Breakdown
Residential
8,716
Single Family
8,565
Multi-Family
151
Businesses
213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa McDaniel • 4 NFL ACREAGE
Mls Name: NFMLS
Mls Provider:
Mls ID: #126022
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.