16521 Bergamo PlBradentonFL34211
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 16521 Bergamo Pl, Bradenton, FL, 34211 in Bradenton: $4,080/mo in rent, $1,964/mo net, 15.36% gross yield, all on a $318,820 acquisition. The 2.85 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $88,084 in value, and $2,936/yr in principal paydown steadily builds equity. Projected total cumulative return: $247,912.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.4% | 5.1% |
| Monthly Cash Flow | $1,964 | $285 |
City averages based on Bradenton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,080 |
| Total Monthly Debt Service | $1,989 |
| DSCR Ratio | 2.05x |
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: 34211, Bradenton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,750 (100%) |
| Owner Occupied HU | 11,166 (59.6%) |
| Renter Occupied HU | 3,768 (20.1%) |
| Vacant Housing Units | 3,816 (20.4%) |
| Median Home Value | $693,577 |
| Average Home Value | $748,318 |
Housing Distribution
Address Breakdown
Residential
15,868
Single Family
14,461
Multi-Family
1,407
Businesses
686
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: 34211, Bradenton, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,750 (100%) |
| Owner Occupied HU | 11,166 (59.6%) |
| Renter Occupied HU | 3,768 (20.1%) |
| Vacant Housing Units | 3,816 (20.4%) |
| Median Home Value | $693,577 |
| Average Home Value | $748,318 |
Housing Distribution
Address Breakdown
Residential
15,868
Single Family
14,461
Multi-Family
1,407
Businesses
686
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices