Belmont: Build On Your Lot Plan, HIGHLANDS COUNTY: Build On Your LOTSebringFL33870
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Sebring rentals match the income profile of Belmont: Build On Your Lot Plan, HIGHLANDS COUNTY: Build On Your LOT, Sebring, FL, 33870. Listed at $284,000, gross rent is $2,488/mo and net cash flow is $603/mo, a 10.51% yield well above national averages. DSCR 1.95 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $78,464 by year five with $2,616/yr in annual principal reduction, projecting $147,090 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $603 | $250 |
City averages based on Sebring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,488 |
| Total Monthly Debt Service | $1,772 |
| DSCR Ratio | 1.40x |
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: 33870, Sebring, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,358 (100%) |
| Owner Occupied HU | 7,793 (54.3%) |
| Renter Occupied HU | 3,433 (23.9%) |
| Vacant Housing Units | 3,132 (21.8%) |
| Median Home Value | $166,009 |
| Average Home Value | $206,210 |
Housing Distribution
Address Breakdown
Residential
12,659
Single Family
11,355
Multi-Family
1,304
Businesses
1,365
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: 33870, Sebring, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,358 (100%) |
| Owner Occupied HU | 7,793 (54.3%) |
| Renter Occupied HU | 3,433 (23.9%) |
| Vacant Housing Units | 3,132 (21.8%) |
| Median Home Value | $166,009 |
| Average Home Value | $206,210 |
Housing Distribution
Address Breakdown
Residential
12,659
Single Family
11,355
Multi-Family
1,304
Businesses
1,365
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices