Oxford Modern Farmhouse Plan, Gainesville, FL: Build On Your LotGainesvilleFL32606
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, Oxford Modern Farmhouse Plan, Gainesville, FL: Build On Your Lot, Gainesville, FL, 32606 in Gainesville deserves attention. This $363,538 property earns $3,385/mo in rent, a 11.17% gross yield, and nets $973/mo after the $1,635/mo payment. DSCR 2.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $100,439 compounds alongside $3,348/yr in yearly equity build, for a total cumulative return of $201,108.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 6.0% |
| Monthly Cash Flow | $973 | $300 |
City averages based on Gainesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,385 |
| Total Monthly Debt Service | $2,268 |
| DSCR Ratio | 1.49x |
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: 32606, Gainesville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,991 (100%) |
| Owner Occupied HU | 6,379 (53.2%) |
| Renter Occupied HU | 4,633 (38.6%) |
| Vacant Housing Units | 979 ( 8.2%) |
| Median Home Value | $427,061 |
| Average Home Value | $462,360 |
Housing Distribution
Address Breakdown
Residential
11,098
Single Family
7,038
Multi-Family
4,060
Businesses
810
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: 32606, Gainesville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,991 (100%) |
| Owner Occupied HU | 6,379 (53.2%) |
| Renter Occupied HU | 4,633 (38.6%) |
| Vacant Housing Units | 979 ( 8.2%) |
| Median Home Value | $427,061 |
| Average Home Value | $462,360 |
Housing Distribution
Address Breakdown
Residential
11,098
Single Family
7,038
Multi-Family
4,060
Businesses
810
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • America's Home Place
Mls Name: Americas Home Place
Mls Provider:
Mls ID: #N/A