Dinero: Build On Your Lot Plan · Ocala, FL 34471

$234,900

3 bd · 2.0 ba · 1,786 sqft · SingleFamily · 475 Days on market

Good condition

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +17.6/30.0
• ARV discount +7.5/15.0
• DSCR +5.5/10.0
• 1% rule +4.7/10.0
• Condition / age +4.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Comfort Meets Elegance. Build On Your Lot The Dinero model. Featuring 1,786 sqft of thoughtfully designed space with 3 bedrooms and 2 baths. Ideal for modern living, this home combines practicality with style, offering generous room for relaxation, family moments, and entertaining. The Dinero is the perfect blend of comfort and sophistication. Note: The price reflects the price of the home itself and does not include the property. You are responsible for providing the property on which these plans will be built. If you don't own a Lot, our team will guide you in finding the ideal location and match it with a home design that reflects your style and preferences.

Key facts

• 2 parking spots
• Listed 475 days

🏗️ New construction. The $234,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $221,756.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $235k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $175 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $216k (8.0% below list).
• Recommended offer: $207k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.2% vs local median 4.2% in Ocala — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 69/100 on livability (#476 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Marion (rural): math 42% / reading 43% proficiency, ranked #61 of 73 in FL (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.6%/yr); 311 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 39% of the median local income ($66k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 475 days — a 12% lower offer ($207k) is reasonable based on typical stale-listing flexibility.

Recommended offer $206,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 475 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.97% ✗
• Cap rate: 7.24%
• Cash-on-cash: 3.37%
• DSCR: 1.15
• GRM: 8.6

CMA / ARV

• ARV (median comp): $221,756
• List price: $234,900
• Delta: 5.93%
• Verdict: FAIR
• Comps: 16 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1010 SW 26th St	0.69mi	3/2.0	2,026 (+13%)	8mo	$490,000	$242	38

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -14.4%
• Equity multiple: 0.50×
• Total profit: $-31,115
• Equity at exit: $33,065

10-year hold

• IRR: -11.6%
• Equity multiple: 0.40×
• Total profit: $-37,118
• Equity at exit: $19,173

Cash invested: $62,092 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34471

• Rents YoY: -0.6%
• Active inventory: 311
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $2,161 high
• Mortgage (P&I): −$1,163
• Tax est. 1.5%: −$277 /mo · $3,326/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$454
• Net cashflow: $175

Break-even live

Break-even rent $1,940

Max offer price $221,756

Occupancy floor 87%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $55,439
• Closing costs: $6,653
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2656 SW 20th Cir Ocala, FL	3.0	2.0	1771	$2,000	$1.13	13d	1	0.67mi
1221 SE 5th St Ocala, FL	3.0	2.0	1900	$2,350	$1.24	13d	1	0.83mi
1421 SW 27th Ave Ocala, FL	2.0–4.0	1.0–2.0	1228	$1,489	$1.21	13d	19	0.90mi
1683 SW 3rd St Ocala, FL	4.0	2.0	1636	$2,200	$1.34	21d	1	0.92mi
510 SW 28th St Ocala, FL	3.0	2.0	1771	$2,250	$1.27	13d	1	0.96mi
3001 SW 24th Ave Ocala, FL	1.0–3.0	1.0–2.0	1040	$1,993	$1.92	13d	28	1.05mi
900 SE 3rd Ave Ocala, FL	2.0–3.0	2.0	1160	$2,325	$2.00	13d	4	1.20mi
714 NW 1st St Ocala, FL	3.0	2.0	1444	$2,200	$1.52	13d	1	1.21mi
691 SE 19th St Ocala, FL	3.0	2.0	1424	$1,800	$1.26	21d	1	1.37mi
44 S Magnolia Ave Ocala, FL	2.0	2.0	1888	$2,850	$1.51	21d	1	1.37mi
302 SE Broadway St #460 Ocala, FL	2.0	2.0	1500	$3,000	$2.00	21d	1	1.49mi

Listing history 16 events

1. 2026-06-18
   days on market $234,900 Active 475 DOM
2. 2026-06-17
   days on market $234,900 Active 474 DOM
3. 2026-06-16
   days on market $234,900 Active 473 DOM
4. 2026-06-15
   days on market $234,900 Active 472 DOM
5. 2026-06-14
   days on market $234,900 Active 470 DOM
6. 2026-06-13
   days on market $234,900 Active 469 DOM
7. 2026-06-10
   days on market $234,900 Active 467 DOM
8. 2026-06-09
   days on market $234,900 Active 466 DOM
9. 2026-06-08
   days on market $234,900 Active 465 DOM
10. 2026-06-07
    days on market $234,900 Active 464 DOM
11. 2026-06-03
    days on market $234,900 Active 460 DOM
12. 2026-06-02
    days on market $234,900 Active 459 DOM
13. 2026-05-31
    days on market $234,900 Active 457 DOM
14. 2026-05-30
    days on market $234,900 Active 456 DOM
15. 2026-01-08
    price $234,900 669-char remark

    Show marketing remark (669 chars)

    Comfort Meets Elegance. Build On Your Lot The Dinero model. Featuring 1,786 sqft of thoughtfully designed space with 3 bedrooms and 2 baths. Ideal for modern living, this home combines practicality with style, offering generous room for relaxation, family moments, and entertaining. The Dinero is the perfect blend of comfort and sophistication. Note: The price reflects the price of the home itself and does not include the property. You are responsible for providing the property on which these plans will be built. If you don't own a Lot, our team will guide you in finding the ideal location and match it with a home design that reflects your style and preferences.

16. 2025-03-01
    listed $199,900 Active 669-char remark

    Show marketing remark (669 chars)

    Comfort Meets Elegance. Build On Your Lot The Dinero model. Featuring 1,786 sqft of thoughtfully designed space with 3 bedrooms and 2 baths. Ideal for modern living, this home combines practicality with style, offering generous room for relaxation, family moments, and entertaining. The Dinero is the perfect blend of comfort and sophistication. Note: The price reflects the price of the home itself and does not include the property. You are responsible for providing the property on which these plans will be built. If you don't own a Lot, our team will guide you in finding the ideal location and match it with a home design that reflects your style and preferences.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $25,930
• − Mortgage interest: −$12,422
• − Property taxes: −$3,326
• − Insurance: −$1,109
• − Repairs & maintenance: −$2,074
• − Management: −$2,074
• − Depreciation: −$6,451
• Taxable loss: −$1,526
• Est. tax savings @ 24.0%: +$366
• After-tax cash flow: $2,461/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 13 photos

Good 80/100 Cosmetic rehab

The home is in good condition with a neutral and modern aesthetic. It has a good curb appeal and is ready for a fresh coat of paint and some landscaping to further enhance its value.

Value-add opportunities

• Resale Paint exterior — Fresh paint can enhance curb appeal and home value
• Resale Landscaping — Well-maintained landscaping can improve curb appeal and home value
• Rental Replace light fixtures — Modern light fixtures can improve the home's rental appeal

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint exterior — Fresh paint can enhance curb appeal and home value ↑
• Resale Landscaping — Well-maintained landscaping can improve curb appeal and home value ↑
• Rental Replace light fixtures — Modern light fixtures can improve the home's rental appeal ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Marion
• NCES district ID: 1201260
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $40,015
• Composite: 35.61/100
• National rank: #4890
• State rank: #61 of 73 in FL

Livability — Ocala

• Score: 69/100
• State rank: #476
• US rank: #8461

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment F Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ocala, FL
• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 28,342
• Household income: $65,789
• Rent vs Own: 38.4% rent · 61.6% own
• Severe rent burden: 1494.0

Population outlook (Marion County) Hauer SSP2

• Today (2025): 365,905 people
• By 2030: 376,768 · +3.0%
• By 2040: 396,555 · +8.4%
• By 2050: 412,723 · +12.8%
• By 2075: 446,090 · +21.9%
• By 2100: 436,193 · +19.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (67%)
• Race & ethnicity: White 67% Hispanic / Latino 16% Two or more races 11% Black 10% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 3% Dominican 1%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 2%
• Foreign-born: 9% · Canada, Jamaica, Dominican Republic
• Languages at home: 86% English-only · Spanish 11% Other Asian/Pacific 1%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+31.6) · D 33.8% · R 65.5%
• 2008→2024 swing: -20.0pp toward R · 2008: -11.6pp · 2024: -31.6pp
• All cycles: 2024: R+31.6 2020: R+25.9 2016: R+26.2 2012: R+16.2 2008: R+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -176.55%
• Current HPI: 224.1709
• Rent YoY: ▼ -0.64%
• Metro: Ocala, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+17.5% since first listed

2 events — show timeline

• 2026-01-08 Price Changed $234,900 Zillow
• 2025-03-01 Listed $199,900 Zillow