8120 E Emerald LnFloral CityFL34436
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 8120 E Emerald Ln, Floral City, FL, 34436 in Floral City at $115,000 earns $925/mo in rent and nets $162/mo after the $517/mo payment, a 9.65% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,772 over five years. Ziffy Mortgage underwrites this on a 1.79 DSCR without U.S. credit history. With $1,059/yr in principal paydown, total projected return reaches $54,263.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.2% |
| Monthly Cash Flow | $162 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $925 |
| Total Monthly Debt Service | $717 |
| DSCR Ratio | 1.29x |
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 1973
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34436, Floral City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,871 (100%) |
| Owner Occupied HU | 3,568 (73.2%) |
| Renter Occupied HU | 485 ( 10.0%) |
| Vacant Housing Units | 818 (16.8%) |
| Median Home Value | $315,574 |
| Average Home Value | $349,789 |
Housing Distribution
Address Breakdown
Residential
4,219
Single Family
3,999
Multi-Family
220
Businesses
143
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 1973
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34436, Floral City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,871 (100%) |
| Owner Occupied HU | 3,568 (73.2%) |
| Renter Occupied HU | 485 ( 10.0%) |
| Vacant Housing Units | 818 (16.8%) |
| Median Home Value | $315,574 |
| Average Home Value | $349,789 |
Housing Distribution
Address Breakdown
Residential
4,219
Single Family
3,999
Multi-Family
220
Businesses
143
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Virginia Morelli • Coldwell Banker Investors Realty
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #839589
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.