1214 12th St SERuskinFL33570
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1214 12th St SE, Ruskin, FL, 33570 in Ruskin: $2,466/mo in rent, $374/mo in net income, 9.42% gross yield, 1.75 DSCR, all at $313,990. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $86,750 in appreciation and $2,892/yr in principal paydown projects total cumulative return of $144,314.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.3% |
| Monthly Cash Flow | $374 | $300 |
City averages based on Ruskin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,466 |
| Total Monthly Debt Service | $1,959 |
| DSCR Ratio | 1.26x |
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 2026
6,737 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33570, Ruskin, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,283 (100%) |
| Owner Occupied HU | 11,125 (68.3%) |
| Renter Occupied HU | 3,025 (18.6%) |
| Vacant Housing Units | 2,133 (13.1%) |
| Median Home Value | $335,955 |
| Average Home Value | $385,712 |
Housing Distribution
Address Breakdown
Residential
14,226
Single Family
10,787
Multi-Family
3,439
Businesses
357
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 2026
6,737 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33570, Ruskin, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,283 (100%) |
| Owner Occupied HU | 11,125 (68.3%) |
| Renter Occupied HU | 3,025 (18.6%) |
| Vacant Housing Units | 2,133 (13.1%) |
| Median Home Value | $335,955 |
| Average Home Value | $385,712 |
Housing Distribution
Address Breakdown
Residential
14,226
Single Family
10,787
Multi-Family
3,439
Businesses
357
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices