86 MELANIE LaneMiddleburgFL32068
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 86 MELANIE Lane, Middleburg, FL, 32068 in Middleburg is narrow, $171/mo net on $1,206/mo rent after the $701/mo debt service, but the property operates at break-even-plus, not a loss. At $156,000 with a 9.28% yield, the long-run equity case via 5% appreciation ($43,100 over five years) and $1,437/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.72 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $70,510.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.0% |
| Monthly Cash Flow | $171 | $300 |
City averages based on Middleburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,206 |
| Total Monthly Debt Service | $973 |
| DSCR Ratio | 1.24x |
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 1986
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32068, Middleburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,808 (100%) |
| Owner Occupied HU | 18,514 (77.8%) |
| Renter Occupied HU | 4,060 (17.1%) |
| Vacant Housing Units | 1,234 ( 5.2%) |
| Median Home Value | $339,221 |
| Average Home Value | $349,755 |
Housing Distribution
Address Breakdown
Residential
22,770
Single Family
22,515
Multi-Family
255
Businesses
496
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 1986
2.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32068, Middleburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,808 (100%) |
| Owner Occupied HU | 18,514 (77.8%) |
| Renter Occupied HU | 4,060 (17.1%) |
| Vacant Housing Units | 1,234 ( 5.2%) |
| Median Home Value | $339,221 |
| Average Home Value | $349,755 |
Housing Distribution
Address Breakdown
Residential
22,770
Single Family
22,515
Multi-Family
255
Businesses
496
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CASSIE MALONE • WATSON REALTY CORP
Mls Name: realMLS
Mls ID: #2114458