812 Swallow Ln #M-142OsteenFL32764
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeMost investment properties struggle to clear the 1.25x DSCR minimum. 812 Swallow Ln #M-142, Osteen, FL, 32764 in Osteen clears it at 1.59, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 8.6%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds. Five-year appreciation: $56,638; $1,888/yr in principal equity; total projected return: $85,113.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.0% |
| Monthly Cash Flow | $(201) | $250 |
City averages based on Osteen market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,469 |
| Total Monthly Debt Service | $1,279 |
| DSCR Ratio | 1.15x |
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 1982
9,822 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32764, Osteen, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,833 (100%) |
| Owner Occupied HU | 1,484 (81.0%) |
| Renter Occupied HU | 141 ( 7.7%) |
| Vacant Housing Units | 208 (11.3%) |
| Median Home Value | $480,000 |
| Average Home Value | $515,756 |
Housing Distribution
Address Breakdown
Residential
1,608
Single Family
1,337
Multi-Family
271
Businesses
94
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 1982
9,822 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32764, Osteen, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,833 (100%) |
| Owner Occupied HU | 1,484 (81.0%) |
| Renter Occupied HU | 141 ( 7.7%) |
| Vacant Housing Units | 208 (11.3%) |
| Median Home Value | $480,000 |
| Average Home Value | $515,756 |
Housing Distribution
Address Breakdown
Residential
1,608
Single Family
1,337
Multi-Family
271
Businesses
94
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices