8045 SW 135th LnArcherFL32618
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 8045 SW 135th Ln, Archer, FL, 32618 in Archer worth study. Rental yield 4.27%. The 4.27% gross yield is below cash-flow benchmarks at $1,105,000, but 5% annual appreciation, adding $305,291 over five years, frames this as a capital growth position. Rent of $3,932/mo partially offsets the $4,969/mo payment. Ziffy Mortgage finances appreciation-play properties (0.79 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $202,293.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 7.0% |
| Monthly Cash Flow | $(3,401) | $300 |
City averages based on Archer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,932 |
| Total Monthly Debt Service | $6,893 |
| DSCR Ratio | 0.57x |
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 2006
5.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32618, Archer, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,225 (100%) |
| Owner Occupied HU | 2,511 (77.9%) |
| Renter Occupied HU | 468 (14.5%) |
| Vacant Housing Units | 246 ( 7.6%) |
| Median Home Value | $313,277 |
| Average Home Value | $342,641 |
Housing Distribution
Address Breakdown
Residential
2,887
Single Family
2,887
Multi-Family
0
Businesses
115
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 2006
5.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32618, Archer, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,225 (100%) |
| Owner Occupied HU | 2,511 (77.9%) |
| Renter Occupied HU | 468 (14.5%) |
| Vacant Housing Units | 246 ( 7.6%) |
| Median Home Value | $313,277 |
| Average Home Value | $342,641 |
Housing Distribution
Address Breakdown
Residential
2,887
Single Family
2,887
Multi-Family
0
Businesses
115
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices