900 Pineview Cir SWLive OakFL32064
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 900 Pineview Cir SW, Live Oak, FL, 32064 in Live Oak at $250,000 earns $1,900/mo in rent and nets $193/mo after the $1,124/mo payment, a 9.12% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $69,070 over five years. Ziffy Mortgage underwrites this on a 1.69 DSCR without U.S. credit history. With $2,303/yr in principal paydown, total projected return reaches $107,989.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $193 | $400 |
City averages based on Live Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,900 |
| Total Monthly Debt Service | $1,607 |
| DSCR Ratio | 1.18x |
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 2000
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32064, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,323 (100%) |
| Owner Occupied HU | 1,678 (50.5%) |
| Renter Occupied HU | 1,239 (37.3%) |
| Vacant Housing Units | 406 (12.2%) |
| Median Home Value | $179,538 |
| Average Home Value | $190,061 |
Housing Distribution
Address Breakdown
Residential
2,556
Single Family
2,390
Multi-Family
166
Businesses
635
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 2000
0.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32064, Live Oak, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,323 (100%) |
| Owner Occupied HU | 1,678 (50.5%) |
| Renter Occupied HU | 1,239 (37.3%) |
| Vacant Housing Units | 406 (12.2%) |
| Median Home Value | $179,538 |
| Average Home Value | $190,061 |
Housing Distribution
Address Breakdown
Residential
2,556
Single Family
2,390
Multi-Family
166
Businesses
635
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Donna M. Dawson • FL HOMES REALTY & MORTGAGE
Mls Name: NFMLS
Mls Provider:
Mls ID: #127303
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.