Harmony Plan, Creekside LandingCallahanFL32011
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at Harmony Plan, Creekside Landing, Callahan, FL, 32011 in Callahan. Priced at $419,900, it generates $4,901/mo in gross rent and $2,114/mo in net monthly cash flow, a 14.01% yield that comfortably supports the 2.60 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $25,371. Five-year appreciation: $116,011. Equity from principal paydown: $3,867/yr. Total projected cumulative return: $296,128.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 6.0% |
| Monthly Cash Flow | $2,114 | $1,500 |
City averages based on Callahan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,901 |
| Total Monthly Debt Service | $2,619 |
| DSCR Ratio | 1.87x |
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32011, Callahan, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,371 (100%) |
| Owner Occupied HU | 5,031 (79.0%) |
| Renter Occupied HU | 1,026 (16.1%) |
| Vacant Housing Units | 314 ( 4.9%) |
| Median Home Value | $389,094 |
| Average Home Value | $471,996 |
Housing Distribution
Address Breakdown
Residential
6,170
Single Family
6,142
Multi-Family
28
Businesses
352
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32011, Callahan, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,371 (100%) |
| Owner Occupied HU | 5,031 (79.0%) |
| Renter Occupied HU | 1,026 (16.1%) |
| Vacant Housing Units | 314 ( 4.9%) |
| Median Home Value | $389,094 |
| Average Home Value | $471,996 |
Housing Distribution
Address Breakdown
Residential
6,170
Single Family
6,142
Multi-Family
28
Businesses
352
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices