1530 Ocean Reef RdZephyrhillsFL33544
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderReliable and efficiently structured, 1530 Ocean Reef Rd, Zephyrhills, FL, 33544 in Zephyrhills is a conservative rental investment at $400,000. Rental yield 7.68%. A 1.35 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $110,513; $3,353/yr in principal paydown supplements. Total projected return: $138,956.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.5% |
| Monthly Cash Flow | $(107) | $300 |
City averages based on Zephyrhills market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,561 |
| Total Monthly Debt Service | $2,593 |
| DSCR Ratio | 0.99x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2002
6,961 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33544, Zephyrhills, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,624 (100%) |
| Owner Occupied HU | 7,191 (57.0%) |
| Renter Occupied HU | 4,077 (32.3%) |
| Vacant Housing Units | 1,356 (10.7%) |
| Median Home Value | $466,999 |
| Average Home Value | $502,473 |
Housing Distribution
Address Breakdown
Residential
11,113
Single Family
8,882
Multi-Family
2,231
Businesses
740
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeffrey Haskins • REALTY BLU
Mls Name: Stellar MLS
Mls ID: #TB8466374
