12231 SW 191st TerMiamiFL33177
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 12231 SW 191st Ter, Miami, FL, 33177 in Miami at $495,000 earns $3,434/mo in rent and nets $149/mo after the $2,226/mo payment, a 8.33% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $136,759 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $4,559/yr in principal paydown, total projected return reaches $198,245.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.8% |
| Monthly Cash Flow | $149 | $1,850 |
City averages based on Miami market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,434 |
| Total Monthly Debt Service | $3,088 |
| DSCR Ratio | 1.11x |
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 1958
7,839 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33177, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,261 (100%) |
| Owner Occupied HU | 12,443 (72.1%) |
| Renter Occupied HU | 4,422 (25.6%) |
| Vacant Housing Units | 396 ( 2.3%) |
| Median Home Value | $469,838 |
| Average Home Value | $543,152 |
Housing Distribution
Address Breakdown
Residential
16,831
Single Family
15,351
Multi-Family
1,480
Businesses
755
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 1958
7,839 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33177, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,261 (100%) |
| Owner Occupied HU | 12,443 (72.1%) |
| Renter Occupied HU | 4,422 (25.6%) |
| Vacant Housing Units | 396 ( 2.3%) |
| Median Home Value | $469,838 |
| Average Home Value | $543,152 |
Housing Distribution
Address Breakdown
Residential
16,831
Single Family
15,351
Multi-Family
1,480
Businesses
755
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices