92 Flag Lilly LnUmatillaFL32784
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 92 Flag Lilly Ln, Umatilla, FL, 32784 in Umatilla deserves attention. This $361,950 property earns $3,222/mo in rent, a 10.68% gross yield, and nets $820/mo after the $1,628/mo payment. DSCR 1.98 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $100,000 compounds alongside $3,334/yr in yearly equity build, for a total cumulative return of $190,699.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 9.0% |
| Monthly Cash Flow | $820 | $500 |
City averages based on Umatilla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,222 |
| Total Monthly Debt Service | $2,258 |
| DSCR Ratio | 1.43x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32784, Umatilla, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,402 (100%) |
| Owner Occupied HU | 3,715 (68.8%) |
| Renter Occupied HU | 946 (17.5%) |
| Vacant Housing Units | 741 (13.7%) |
| Median Home Value | $387,977 |
| Average Home Value | $412,567 |
Housing Distribution
Address Breakdown
Residential
4,752
Single Family
4,718
Multi-Family
34
Businesses
329
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32784, Umatilla, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,402 (100%) |
| Owner Occupied HU | 3,715 (68.8%) |
| Renter Occupied HU | 946 (17.5%) |
| Vacant Housing Units | 741 (13.7%) |
| Median Home Value | $387,977 |
| Average Home Value | $412,567 |
Housing Distribution
Address Breakdown
Residential
4,752
Single Family
4,718
Multi-Family
34
Businesses
329
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
