9550 J D Peaden RdMiltonFL32570
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 9550 J D Peaden Rd, Milton, FL, 32570 in Milton the bet is firmly on appreciation. Rental yield 4.43%. The 4.43% gross yield on a $649,900 price is below income-first thresholds, but 5%/yr value growth projects $179,555 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.82) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $124,670.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(1,913) | $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 | $2,400 |
| Total Monthly Debt Service | $4,054 |
| DSCR Ratio | 0.59x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
26.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32570, Milton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,465 (100%) |
| Owner Occupied HU | 10,483 (67.8%) |
| Renter Occupied HU | 3,830 (24.8%) |
| Vacant Housing Units | 1,152 ( 7.4%) |
| Median Home Value | $326,715 |
| Average Home Value | $354,146 |
Housing Distribution
Address Breakdown
Residential
14,622
Single Family
14,490
Multi-Family
132
Businesses
674
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
26.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32570, Milton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,465 (100%) |
| Owner Occupied HU | 10,483 (67.8%) |
| Renter Occupied HU | 3,830 (24.8%) |
| Vacant Housing Units | 1,152 ( 7.4%) |
| Median Home Value | $326,715 |
| Average Home Value | $354,146 |
Housing Distribution
Address Breakdown
Residential
14,622
Single Family
14,490
Multi-Family
132
Businesses
674
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Dewise • DEWISE REALTY, L L C
Mls Name: PAR
Mls Provider:
Mls ID: #660954
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