10959 65th Ter EPalmettoFL34221
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10959 65th Ter E, Palmetto, FL, 34221 in Palmetto is narrow, $125/mo net on $1,790/mo rent after the $1,128/mo debt service, but the property operates at break-even-plus, not a loss. At $250,900 with a 8.56% yield, the long-run equity case via 5% appreciation ($69,319 over five years) and $2,311/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.59 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $103,737.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $125 | $300 |
City averages based on Palmetto market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,790 |
| Total Monthly Debt Service | $1,565 |
| DSCR Ratio | 1.14x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34221, Palmetto, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,543 (100%) |
| Owner Occupied HU | 18,069 (68.1%) |
| Renter Occupied HU | 4,159 (15.7%) |
| Vacant Housing Units | 4,315 (16.3%) |
| Median Home Value | $392,672 |
| Average Home Value | $458,181 |
Housing Distribution
Address Breakdown
Residential
24,642
Single Family
17,553
Multi-Family
7,089
Businesses
962
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34221, Palmetto, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,543 (100%) |
| Owner Occupied HU | 18,069 (68.1%) |
| Renter Occupied HU | 4,159 (15.7%) |
| Vacant Housing Units | 4,315 (16.3%) |
| Median Home Value | $392,672 |
| Average Home Value | $458,181 |
Housing Distribution
Address Breakdown
Residential
24,642
Single Family
17,553
Multi-Family
7,089
Businesses
962
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
