104 PROSPECT StreetPomona ParkFL32181
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 104 PROSPECT Street, Pomona Park, FL, 32181 in Pomona Park at $139,000 earns $1,068/mo in rent and nets $146/mo after the $625/mo payment, a 9.22% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $38,403 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,280/yr in principal paydown, total projected return reaches $62,348.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $146 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,068 |
| Total Monthly Debt Service | $867 |
| DSCR Ratio | 1.23x |
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.
Manufactured
Built in 1986
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32181, Pomona Park, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,454 (100%) |
| Owner Occupied HU | 909 (62.5%) |
| Renter Occupied HU | 182 (12.5%) |
| Vacant Housing Units | 363 (25.0%) |
| Median Home Value | $199,519 |
| Average Home Value | $294,268 |
Housing Distribution
Address Breakdown
Residential
1,144
Single Family
1,144
Multi-Family
0
Businesses
47
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
Manufactured
Built in 1986
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32181, Pomona Park, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,454 (100%) |
| Owner Occupied HU | 909 (62.5%) |
| Renter Occupied HU | 182 (12.5%) |
| Vacant Housing Units | 363 (25.0%) |
| Median Home Value | $199,519 |
| Average Home Value | $294,268 |
Housing Distribution
Address Breakdown
Residential
1,144
Single Family
1,144
Multi-Family
0
Businesses
47
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: AMY HEATH • ST JOHNS REALTY AND MANAGEMENT LLC
Mls Name: realMLS
Mls ID: #2104784