1032 Adams DrKey LargoFL33037
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1032 Adams Dr, Key Largo, FL, 33037 in Key Largo at $1,675,000, 3.87% gross yield, is a market-growth asset. Rental yield 3.87%. The $5,400/mo rent partially funds the $7,532/mo debt service; the core return is the 5%/yr price growth projected to add $462,772 over five years. Ziffy Mortgage's DSCR mortgage (0.72) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $270,582.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 7.5% |
| Monthly Cash Flow | $(5,716) | $1,200 |
City averages based on Key Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,400 |
| Total Monthly Debt Service | $10,449 |
| DSCR Ratio | 0.52x |
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 1987
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33037, Key Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,705 (100%) |
| Owner Occupied HU | 4,666 (43.6%) |
| Renter Occupied HU | 1,622 (15.2%) |
| Vacant Housing Units | 4,417 (41.3%) |
| Median Home Value | $777,375 |
| Average Home Value | $1,018,328 |
Housing Distribution
Address Breakdown
Residential
8,579
Single Family
8,132
Multi-Family
447
Businesses
826
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 1987
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33037, Key Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,705 (100%) |
| Owner Occupied HU | 4,666 (43.6%) |
| Renter Occupied HU | 1,622 (15.2%) |
| Vacant Housing Units | 4,417 (41.3%) |
| Median Home Value | $777,375 |
| Average Home Value | $1,018,328 |
Housing Distribution
Address Breakdown
Residential
8,579
Single Family
8,132
Multi-Family
447
Businesses
826
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices