12790 118th StSeminoleFL33778
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 12790 118th St, Seminole, FL, 33778 in Seminole: $2,486/mo in rent, $517/mo net, 10.05% gross yield, all on a $296,800 acquisition. The 1.86 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $82,000 in value, and $2,734/yr in principal paydown steadily builds equity. Projected total cumulative return: $146,373.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $517 | $300 |
City averages based on Seminole market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,486 |
| Total Monthly Debt Service | $1,852 |
| DSCR Ratio | 1.34x |
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 1971
5,915 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 1971
5,915 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