154 Saint Ives DrPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowNot flashy, but dependably profitable, 154 Saint Ives Dr, Palm Harbor, FL, 34684 in Palm Harbor is listed at $357,000 and delivers $3,049/mo in rent and $333/mo in net monthly cash flow. The 10.25% yield and 1.90 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $98,633 over five years, and $3,288/yr in principal reduction supplements cash return. Total projected cumulative return: $159,049.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.8% |
| Monthly Cash Flow | $333 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,049 |
| Total Monthly Debt Service | $2,574 |
| DSCR Ratio | 1.18x |
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.
Townhouse
Built in 1988
2,130 sqft lot
$N/A/sqft
$245 monthly HOA
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
Townhouse
Built in 1988
2,130 sqft lot
$N/A/sqft
$245 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Krystyna Iskra • CENTURY 21 COAST TO COAST
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #U8253938
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