820 Shady LnMonticelloFL32344
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 820 Shady Ln, Monticello, FL, 32344 in Monticello is straightforward: $125,000 in, $1,240/mo in rent, $344/mo out after debt service. The 11.02% gross yield and 2.21 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $34,535 by year five. With $1,151/yr in principal equity, the total cumulative return is projected at $74,095.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 8.0% |
| Monthly Cash Flow | $344 | $300 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,240 |
| Total Monthly Debt Service | $780 |
| DSCR Ratio | 1.59x |
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 1977
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32344, Monticello, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,100 (100%) |
| Owner Occupied HU | 4,229 (69.3%) |
| Renter Occupied HU | 1,142 (18.7%) |
| Vacant Housing Units | 729 (12.0%) |
| Median Home Value | $238,535 |
| Average Home Value | $295,786 |
Housing Distribution
Address Breakdown
Residential
5,330
Single Family
5,295
Multi-Family
35
Businesses
311
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 1977
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32344, Monticello, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,100 (100%) |
| Owner Occupied HU | 4,229 (69.3%) |
| Renter Occupied HU | 1,142 (18.7%) |
| Vacant Housing Units | 729 (12.0%) |
| Median Home Value | $238,535 |
| Average Home Value | $295,786 |
Housing Distribution
Address Breakdown
Residential
5,330
Single Family
5,295
Multi-Family
35
Businesses
311
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: TBR
Mls ID: #394275