13256 NW Harbour Ridge Blvd #4APalm CityFL34990
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowMost investment properties struggle to clear the 1.25x DSCR minimum. 13256 NW Harbour Ridge Blvd #4A, Palm City, FL, 34990 in Palm City clears it at 2.02, a meaningful distinction for the Ziffy Mortgage DSCR approval process. Rental yield 10.9%. Strong coverage makes approval clean and leaves room for vacancy without breaching underwriting thresholds.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 5.5% |
| Monthly Cash Flow | $(3,620) | $300 |
City averages based on Palm City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,953 |
| Total Monthly Debt Service | $5,487 |
| DSCR Ratio | 0.36x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1987
6.99 Acres lot
$N/A/sqft
$4,073 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34990, Palm City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,522 (100%) |
| Owner Occupied HU | 11,658 (80.3%) |
| Renter Occupied HU | 1,657 (11.4%) |
| Vacant Housing Units | 1,207 ( 8.3%) |
| Median Home Value | $596,592 |
| Average Home Value | $663,824 |
Housing Distribution
Address Breakdown
Residential
14,123
Single Family
13,161
Multi-Family
962
Businesses
694
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 1987
6.99 Acres lot
$N/A/sqft
$4,073 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34990, Palm City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,522 (100%) |
| Owner Occupied HU | 11,658 (80.3%) |
| Renter Occupied HU | 1,657 (11.4%) |
| Vacant Housing Units | 1,207 ( 8.3%) |
| Median Home Value | $596,592 |
| Average Home Value | $663,824 |
Housing Distribution
Address Breakdown
Residential
14,123
Single Family
13,161
Multi-Family
962
Businesses
694
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christine Bearse • Harbour Ridge Realty Inc
Mls Name: Martin County REALTORS of the Treasure Coast (MCRTC)
Mls Provider:
Mls ID: #M20048704
Disclaimer: All listings featuring the MCRTC logo are provided by Martin County REALTORS of the Treasure Coast, Inc. Multiple Listing Service. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright 2025 Martin County REALTORS of the Treasure Coast, Inc. Information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.