15382 SW 39th LnMiamiFL33185
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 15382 SW 39th Ln, Miami, FL, 33185 in Miami is narrow, $16/mo net on $4,902/mo rent after the $3,233/mo debt service, but the property operates at break-even-plus, not a loss. At $719,000 with a 8.18% yield, the long-run equity case via 5% appreciation ($198,646 over five years) and $6,622/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $275,545.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 5.8% |
| Monthly Cash Flow | $16 | $1,850 |
City averages based on Miami market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,902 |
| Total Monthly Debt Service | $4,600 |
| DSCR Ratio | 1.07x |
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 1996
3,800 sqft lot
$N/A/sqft
$115 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33185, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,360 (100%) |
| Owner Occupied HU | 7,020 (84.0%) |
| Renter Occupied HU | 1,228 (14.7%) |
| Vacant Housing Units | 112 ( 1.3%) |
| Median Home Value | $575,261 |
| Average Home Value | $630,054 |
Housing Distribution
Address Breakdown
Residential
8,610
Single Family
8,550
Multi-Family
60
Businesses
236
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 1996
3,800 sqft lot
$N/A/sqft
$115 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33185, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,360 (100%) |
| Owner Occupied HU | 7,020 (84.0%) |
| Renter Occupied HU | 1,228 (14.7%) |
| Vacant Housing Units | 112 ( 1.3%) |
| Median Home Value | $575,261 |
| Average Home Value | $630,054 |
Housing Distribution
Address Breakdown
Residential
8,610
Single Family
8,550
Multi-Family
60
Businesses
236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices