1959 Harding StClearwaterFL33765
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1959 Harding St, Clearwater, FL, 33765 in Clearwater. At $326,900 it earns $2,383/mo in rent and distributes $214/mo to the owner after the $1,470/mo payment, a consistent 8.75% yield. DSCR 1.62 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $90,316 in value; $3,011/yr in principal paydown compounds ownership stake. Total projected return: $138,353.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.2% |
| Monthly Cash Flow | $214 | $400 |
City averages based on Clearwater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,383 |
| Total Monthly Debt Service | $2,039 |
| DSCR Ratio | 1.17x |
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 1952
7,052 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33765, Clearwater, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,763 (100%) |
| Owner Occupied HU | 2,760 (47.9%) |
| Renter Occupied HU | 2,507 (43.5%) |
| Vacant Housing Units | 496 ( 8.6%) |
| Median Home Value | $368,454 |
| Average Home Value | $443,308 |
Housing Distribution
Address Breakdown
Residential
6,249
Single Family
4,269
Multi-Family
1,980
Businesses
1,229
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 1952
7,052 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33765, Clearwater, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,763 (100%) |
| Owner Occupied HU | 2,760 (47.9%) |
| Renter Occupied HU | 2,507 (43.5%) |
| Vacant Housing Units | 496 ( 8.6%) |
| Median Home Value | $368,454 |
| Average Home Value | $443,308 |
Housing Distribution
Address Breakdown
Residential
6,249
Single Family
4,269
Multi-Family
1,980
Businesses
1,229
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices