4318 Nw 12th Ter, Gainesville, FL 32609

Gainesville, FL 32609 · 3 bd · 1 ba · 990 sqft · Single Family · 17 days on market

The math, in full

Asking price: $220,000
Down payment (15%): $33,000
Loan amount: $187,000
Est. monthly rent: $2,125/mo; Range $1,806 to $2,444/mo
Monthly payment, all-in: $1,807/mo; Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR): 1.18; $2,125 rent ÷ $1,807 payment
Monthly cashflow: +$318/mo; What's left after the payment

Where the rent number comes from

Median asking rent for 3-bedroom homes in zip 32609, from current market comps, not a per-property guess. High confidence: plenty of comparable rentals in this zip.

Cash to start

$33,000

15% down on $220,000

Your local lender

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Screened against real lending criteria. This one fits 3 programs.
Qualifies on the property's rent, no W-2 or tax returns.
Listing data verified as of July 5, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.