8175 SW 109th Street RdOcalaFL34481
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.05% yield at 8175 SW 109th Street Rd, Ocala, FL, 34481 in Ocala is solid, but the $697/mo payment compresses net cash flow to $140/mo at $155,000. 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 $42,824 by year five, and $1,428/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.68) without U.S. income documentation. Total projected return: $68,154.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.2% |
| Monthly Cash Flow | $140 | $425 |
City averages based on Ocala market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,169 |
| Total Monthly Debt Service | $967 |
| DSCR Ratio | 1.21x |
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.
Single Family
Built in 1988
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34481, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,207 (100%) |
| Owner Occupied HU | 14,525 (84.4%) |
| Renter Occupied HU | 1,169 ( 6.8%) |
| Vacant Housing Units | 1,513 ( 8.8%) |
| Median Home Value | $320,437 |
| Average Home Value | $318,623 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
12,256
Multi-Family
3,878
Businesses
315
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 1988
6,970 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34481, Ocala, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,207 (100%) |
| Owner Occupied HU | 14,525 (84.4%) |
| Renter Occupied HU | 1,169 ( 6.8%) |
| Vacant Housing Units | 1,513 ( 8.8%) |
| Median Home Value | $320,437 |
| Average Home Value | $318,623 |
Housing Distribution
Address Breakdown
Residential
16,134
Single Family
12,256
Multi-Family
3,878
Businesses
315
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices