12182 Stirrup DrDade CityFL33525
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 12182 Stirrup Dr, Dade City, FL, 33525 in Dade City earns a 8.84% gross yield at $459,140. Rent of $3,384/mo nets $332/mo after the $2,065/mo mortgage. The 1.64 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $126,852 and $4,229/yr in equity accumulation project a total cumulative return of $196,322.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 9.0% |
| Monthly Cash Flow | $332 | $1,200 |
City averages based on Dade City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,384 |
| Total Monthly Debt Service | $2,870 |
| DSCR Ratio | 1.18x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33525, Dade City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,939 (100%) |
| Owner Occupied HU | 6,843 (68.8%) |
| Renter Occupied HU | 1,836 (18.5%) |
| Vacant Housing Units | 1,260 (12.7%) |
| Median Home Value | $375,434 |
| Average Home Value | $420,057 |
Housing Distribution
Address Breakdown
Residential
9,008
Single Family
8,500
Multi-Family
508
Businesses
466
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33525, Dade City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,939 (100%) |
| Owner Occupied HU | 6,843 (68.8%) |
| Renter Occupied HU | 1,836 (18.5%) |
| Vacant Housing Units | 1,260 (12.7%) |
| Median Home Value | $375,434 |
| Average Home Value | $420,057 |
Housing Distribution
Address Breakdown
Residential
9,008
Single Family
8,500
Multi-Family
508
Businesses
466
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
