The Catalina Plan, LuganoGainesvilleFL32608
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowReliable, bankable, and well-priced, The Catalina Plan, Lugano, Gainesville, FL, 32608 in Gainesville delivers $3,067/mo in gross rent and $433/mo in net monthly income at a $367,500 entry. The 10.02% yield and 1.86 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $101,533 over five years and $3,385/yr in equity from loan paydown, total projected return is $168,737.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.0% |
| Monthly Cash Flow | $433 | $300 |
City averages based on Gainesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,067 |
| Total Monthly Debt Service | $2,488 |
| DSCR Ratio | 1.23x |
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
$195 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32608, Gainesville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,458 (100%) |
| Owner Occupied HU | 9,587 (37.7%) |
| Renter Occupied HU | 13,938 (54.7%) |
| Vacant Housing Units | 1,933 ( 7.6%) |
| Median Home Value | $394,846 |
| Average Home Value | $429,933 |
Housing Distribution
Address Breakdown
Residential
23,637
Single Family
12,924
Multi-Family
10,713
Businesses
1,001
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
$195 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32608, Gainesville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,458 (100%) |
| Owner Occupied HU | 9,587 (37.7%) |
| Renter Occupied HU | 13,938 (54.7%) |
| Vacant Housing Units | 1,933 ( 7.6%) |
| Median Home Value | $394,846 |
| Average Home Value | $429,933 |
Housing Distribution
Address Breakdown
Residential
23,637
Single Family
12,924
Multi-Family
10,713
Businesses
1,001
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Emmer Development Corp.
Mls Name: Emmer Development Corp
Mls Provider:
Mls ID: #N/A