821 NW 20th TerGainesvilleFL32603
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 821 NW 20th Ter, Gainesville, FL, 32603 in Gainesville. At $429,000 it earns $3,360/mo in rent and distributes $513/mo to the owner after the $1,929/mo payment, a consistent 9.4% yield. DSCR 1.74 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $118,525 in value; $3,951/yr in principal paydown compounds ownership stake. Total projected return: $196,528.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $513 | $300 |
City averages based on Gainesville market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,360 |
| Total Monthly Debt Service | $2,676 |
| DSCR Ratio | 1.26x |
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 1959
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32603, Gainesville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,728 (100%) |
| Owner Occupied HU | 312 (11.4%) |
| Renter Occupied HU | 2,149 (78.8%) |
| Vacant Housing Units | 267 ( 9.8%) |
| Median Home Value | $395,098 |
| Average Home Value | $398,998 |
Housing Distribution
Address Breakdown
Residential
2,323
Single Family
1,703
Multi-Family
620
Businesses
107
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 1959
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32603, Gainesville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,728 (100%) |
| Owner Occupied HU | 312 (11.4%) |
| Renter Occupied HU | 2,149 (78.8%) |
| Vacant Housing Units | 267 ( 9.8%) |
| Median Home Value | $395,098 |
| Average Home Value | $398,998 |
Housing Distribution
Address Breakdown
Residential
2,323
Single Family
1,703
Multi-Family
620
Businesses
107
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls ID: #GC540383