392 W Cobblestone LoopHernandoFL34442
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 392 W Cobblestone Loop, Hernando, FL, 34442 in Hernando speaks for itself: 11.64% gross on a $499,900 price, generating $4,850/mo in rent and $1,358/mo in net income after the $2,248/mo debt service. DSCR 2.16, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,291 stacks alongside $138,113 in projected five-year appreciation and $4,604/yr in principal reduction. Projected total cumulative return: $278,658.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.2% |
| Monthly Cash Flow | $1,358 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,850 |
| Total Monthly Debt Service | $3,294 |
| DSCR Ratio | 1.47x |
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 2022
0.31 Acres lot
$N/A/sqft
$175 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34442, Hernando, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,437 (100%) |
| Owner Occupied HU | 7,741 (74.2%) |
| Renter Occupied HU | 1,132 (10.8%) |
| Vacant Housing Units | 1,564 (15.0%) |
| Median Home Value | $374,320 |
| Average Home Value | $401,900 |
Housing Distribution
Address Breakdown
Residential
9,683
Single Family
9,167
Multi-Family
516
Businesses
304
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 2022
0.31 Acres lot
$N/A/sqft
$175 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34442, Hernando, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,437 (100%) |
| Owner Occupied HU | 7,741 (74.2%) |
| Renter Occupied HU | 1,132 (10.8%) |
| Vacant Housing Units | 1,564 (15.0%) |
| Median Home Value | $374,320 |
| Average Home Value | $401,900 |
Housing Distribution
Address Breakdown
Residential
9,683
Single Family
9,167
Multi-Family
516
Businesses
304
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James Martin Jr • Discount Realty Florida, LLC
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #836695
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.