21 Lake Shore DrPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 21 Lake Shore Dr, Palm Harbor, FL, 34684 in Palm Harbor: $3,128/mo in rent, $490/mo in net income, 9.97% gross yield, 1.85 DSCR, all at $376,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $104,020 in appreciation and $3,468/yr in principal paydown projects total cumulative return of $175,629.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.8% |
| Monthly Cash Flow | $490 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,128 |
| Total Monthly Debt Service | $2,488 |
| DSCR Ratio | 1.26x |
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 1980
5,937 sqft lot
$N/A/sqft
$3 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
Single Family
Built in 1980
5,937 sqft lot
$N/A/sqft
$3 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices