15549 SW 280th St #5HomesteadFL33031
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 15549 SW 280th St #5, Homestead, FL, 33031 in Homestead is narrow, $46/mo net on $2,353/mo rent after the $1,563/mo debt service, but the property operates at break-even-plus, not a loss. At $347,662 with a 8.12% yield, the long-run equity case via 5% appreciation ($96,053 over five years) and $3,202/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $135,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $46 | $300 |
City averages based on Homestead market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,353 |
| Total Monthly Debt Service | $2,169 |
| DSCR Ratio | 1.08x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33031, Homestead, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,345 (100%) |
| Owner Occupied HU | 1,870 (79.7%) |
| Renter Occupied HU | 358 (15.3%) |
| Vacant Housing Units | 117 ( 5.0%) |
| Median Home Value | $646,261 |
| Average Home Value | $735,991 |
Housing Distribution
Address Breakdown
Residential
2,290
Single Family
2,290
Multi-Family
0
Businesses
145
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33031, Homestead, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,345 (100%) |
| Owner Occupied HU | 1,870 (79.7%) |
| Renter Occupied HU | 358 (15.3%) |
| Vacant Housing Units | 117 ( 5.0%) |
| Median Home Value | $646,261 |
| Average Home Value | $735,991 |
Housing Distribution
Address Breakdown
Residential
2,290
Single Family
2,290
Multi-Family
0
Businesses
145
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
