2055 S Floral Ave S Lot 92BartowFL33830
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2055 S Floral Ave S Lot 92, Bartow, FL, 33830 in Bartow is narrow, $43/mo net on $1,439/mo rent after the $875/mo debt service, but the property operates at break-even-plus, not a loss. At $194,500 with a 8.88% yield, the long-run equity case via 5% appreciation ($53,737 over five years) and $1,791/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.64 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $83,669.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 7.0% |
| Monthly Cash Flow | $43 | $350 |
City averages based on Bartow market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,439 |
| Total Monthly Debt Service | $1,213 |
| DSCR Ratio | 1.19x |
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.
Manufactured
Built in 1983
4,487 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33830, Bartow, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,289 (100%) |
| Owner Occupied HU | 8,662 (65.2%) |
| Renter Occupied HU | 3,320 (25.0%) |
| Vacant Housing Units | 1,307 ( 9.8%) |
| Median Home Value | $307,472 |
| Average Home Value | $360,489 |
Housing Distribution
Address Breakdown
Residential
11,750
Single Family
10,889
Multi-Family
861
Businesses
790
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
Manufactured
Built in 1983
4,487 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33830, Bartow, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,289 (100%) |
| Owner Occupied HU | 8,662 (65.2%) |
| Renter Occupied HU | 3,320 (25.0%) |
| Vacant Housing Units | 1,307 ( 9.8%) |
| Median Home Value | $307,472 |
| Average Home Value | $360,489 |
Housing Distribution
Address Breakdown
Residential
11,750
Single Family
10,889
Multi-Family
861
Businesses
790
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices