810 E Gilchrist Ct APT 3BHernandoFL34442
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 810 E Gilchrist Ct APT 3B, Hernando, FL, 34442 in Hernando clears it at 1.74, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 9.37%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $48,487; $1,616/yr in principal equity; total projected return: $80,154.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.5% |
| Monthly Cash Flow | $(170) | $1,200 |
City averages based on Hernando market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,370 |
| Total Monthly Debt Service | $1,095 |
| 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.
Townhouse
Built in 1986
1,106 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34442, Hernando, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,437 (100%) |
| Owner Occupied HU | 7,741 (74.2%) |
| Renter Occupied HU | 1,132 (10.8%) |
| Vacant Housing Units | 1,564 (15.0%) |
| Median Home Value | $374,320 |
| Average Home Value | $401,900 |
Housing Distribution
Address Breakdown
Residential
9,683
Single Family
9,167
Multi-Family
516
Businesses
304
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
Townhouse
Built in 1986
1,106 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34442, Hernando, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,437 (100%) |
| Owner Occupied HU | 7,741 (74.2%) |
| Renter Occupied HU | 1,132 (10.8%) |
| Vacant Housing Units | 1,564 (15.0%) |
| Median Home Value | $374,320 |
| Average Home Value | $401,900 |
Housing Distribution
Address Breakdown
Residential
9,683
Single Family
9,167
Multi-Family
516
Businesses
304
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices