12 Sacarma DrSummerland KeyFL33042
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow12 Sacarma Dr, Summerland Key, FL, 33042 in Summerland Key is a top-tier cash-flow asset. At $225,000 it produces $7,243/mo in rent and $5,750/mo in net monthly income, a 38.63% gross rental yield. The DSCR of 7.16 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $69,001. Five-year appreciation adds $62,163, driving a total cumulative return of $455,796.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 38.6% | 6.5% |
| Monthly Cash Flow | $5,750 | $1,500 |
City averages based on Summerland Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,243 |
| Total Monthly Debt Service | $1,404 |
| DSCR Ratio | 5.16x |
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.
Lot
Built in N/A
5,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33042, Summerland Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,791 (100%) |
| Owner Occupied HU | 2,570 (53.6%) |
| Renter Occupied HU | 503 (10.5%) |
| Vacant Housing Units | 1,718 (35.9%) |
| Median Home Value | $754,079 |
| Average Home Value | $932,409 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,921
Multi-Family
1
Businesses
149
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
Lot
Built in N/A
5,400 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33042, Summerland Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,791 (100%) |
| Owner Occupied HU | 2,570 (53.6%) |
| Renter Occupied HU | 503 (10.5%) |
| Vacant Housing Units | 1,718 (35.9%) |
| Median Home Value | $754,079 |
| Average Home Value | $932,409 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,921
Multi-Family
1
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices