12605 SW 91st St APT 103MiamiFL33186
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 12605 SW 91st St APT 103, Miami, FL, 33186 in Miami at $295,000 earns $2,072/mo in rent and nets $114/mo after the $1,327/mo payment, a 8.43% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $81,503 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $2,717/yr in principal paydown, total projected return reaches $119,814.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 5.8% |
| Monthly Cash Flow | $114 | $1,850 |
City averages based on Miami market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,072 |
| Total Monthly Debt Service | $1,840 |
| DSCR Ratio | 1.13x |
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.
Condo
Built in 1995
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33186, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,605 (100%) |
| Owner Occupied HU | 16,522 (67.1%) |
| Renter Occupied HU | 7,348 (29.9%) |
| Vacant Housing Units | 735 ( 3.0%) |
| Median Home Value | $505,053 |
| Average Home Value | $567,931 |
Housing Distribution
Address Breakdown
Residential
25,085
Single Family
19,902
Multi-Family
5,183
Businesses
4,623
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
Condo
Built in 1995
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33186, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,605 (100%) |
| Owner Occupied HU | 16,522 (67.1%) |
| Renter Occupied HU | 7,348 (29.9%) |
| Vacant Housing Units | 735 ( 3.0%) |
| Median Home Value | $505,053 |
| Average Home Value | $567,931 |
Housing Distribution
Address Breakdown
Residential
25,085
Single Family
19,902
Multi-Family
5,183
Businesses
4,623
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices