90 David Clemons RdQuincyFL32352
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 90 David Clemons Rd, Quincy, FL, 32352 in Quincy. At $145,000 it earns $1,200/mo in rent and distributes $238/mo to the owner after the $652/mo payment, a consistent 9.93% yield. DSCR 1.84 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $40,061 in value; $1,335/yr in principal paydown compounds ownership stake. Total projected return: $70,582.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.0% |
| Monthly Cash Flow | $238 | $300 |
City averages based on Quincy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $905 |
| DSCR Ratio | 1.33x |
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 2004
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32352, Quincy, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,581 (100%) |
| Owner Occupied HU | 1,824 (70.7%) |
| Renter Occupied HU | 458 (17.7%) |
| Vacant Housing Units | 299 (11.6%) |
| Median Home Value | $194,508 |
| Average Home Value | $236,839 |
Housing Distribution
Address Breakdown
Residential
2,322
Single Family
2,322
Multi-Family
0
Businesses
37
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 2004
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32352, Quincy, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,581 (100%) |
| Owner Occupied HU | 1,824 (70.7%) |
| Renter Occupied HU | 458 (17.7%) |
| Vacant Housing Units | 299 (11.6%) |
| Median Home Value | $194,508 |
| Average Home Value | $236,839 |
Housing Distribution
Address Breakdown
Residential
2,322
Single Family
2,322
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices