10964 Temple AveSeminoleFL33772
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 10964 Temple Ave, Seminole, FL, 33772 in Seminole is narrow, $63/mo net on $3,547/mo rent after the $2,361/mo debt service, but the property operates at break-even-plus, not a loss. At $525,000 with a 8.11% yield, the long-run equity case via 5% appreciation ($145,048 over five years) and $4,835/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.50 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $204,148.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $63 | $300 |
City averages based on Seminole market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,547 |
| Total Monthly Debt Service | $3,275 |
| DSCR Ratio | 1.08x |
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.
Single Family
Built in 1971
7,418 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33772, Seminole, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,178 (100%) |
| Owner Occupied HU | 8,824 (67.0%) |
| Renter Occupied HU | 2,809 (21.3%) |
| Vacant Housing Units | 1,545 (11.7%) |
| Median Home Value | $418,239 |
| Average Home Value | $465,518 |
Housing Distribution
Address Breakdown
Residential
11,680
Single Family
9,197
Multi-Family
2,483
Businesses
561
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 1971
7,418 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33772, Seminole, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,178 (100%) |
| Owner Occupied HU | 8,824 (67.0%) |
| Renter Occupied HU | 2,809 (21.3%) |
| Vacant Housing Units | 1,545 (11.7%) |
| Median Home Value | $418,239 |
| Average Home Value | $465,518 |
Housing Distribution
Address Breakdown
Residential
11,680
Single Family
9,197
Multi-Family
2,483
Businesses
561
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices