12020 134th PlSeminoleFL33778
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 12020 134th Pl, Seminole, FL, 33778 in Seminole speaks for itself: 10.46% gross on a $339,000 price, generating $2,954/mo in rent and $705/mo in net income after the $1,524/mo debt service. DSCR 1.94, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,457 stacks alongside $93,659 in projected five-year appreciation and $3,122/yr in principal reduction. Projected total cumulative return: $174,559.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.0% |
| Monthly Cash Flow | $705 | $300 |
City averages based on Seminole market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,954 |
| Total Monthly Debt Service | $2,115 |
| DSCR Ratio | 1.40x |
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 1960
7,540 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33778, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,106 (100%) |
| Owner Occupied HU | 4,822 (67.9%) |
| Renter Occupied HU | 1,493 (21.0%) |
| Vacant Housing Units | 791 (11.1%) |
| Median Home Value | $371,212 |
| Average Home Value | $441,895 |
Housing Distribution
Address Breakdown
Residential
7,463
Single Family
6,491
Multi-Family
972
Businesses
363
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 1960
7,540 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33778, Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,106 (100%) |
| Owner Occupied HU | 4,822 (67.9%) |
| Renter Occupied HU | 1,493 (21.0%) |
| Vacant Housing Units | 791 (11.1%) |
| Median Home Value | $371,212 |
| Average Home Value | $441,895 |
Housing Distribution
Address Breakdown
Residential
7,463
Single Family
6,491
Multi-Family
972
Businesses
363
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices