2123 Speck DrHolidayFL34691
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 2123 Speck Dr, Holiday, FL, 34691 in Holiday hard to pass up. The 13.47% gross yield on a $184,500 purchase results in $2,071/mo in rent and $817/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.50). Annual cash flow of $9,802, five-year appreciation of $50,974, and $1,699/yr in equity build-up combine for a projected total cumulative return of $122,997.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.5% | 8.0% |
| Monthly Cash Flow | $817 | $1,200 |
City averages based on Holiday market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,071 |
| Total Monthly Debt Service | $1,181 |
| DSCR Ratio | 1.75x |
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 2023
3,600 sqft lot
$N/A/sqft
$30 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34691, Holiday, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,304 (100%) |
| Owner Occupied HU | 7,036 (57.2%) |
| Renter Occupied HU | 3,478 (28.3%) |
| Vacant Housing Units | 1,790 (14.5%) |
| Median Home Value | $266,310 |
| Average Home Value | $302,165 |
Housing Distribution
Address Breakdown
Residential
11,411
Single Family
10,730
Multi-Family
681
Businesses
356
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 2023
3,600 sqft lot
$N/A/sqft
$30 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34691, Holiday, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,304 (100%) |
| Owner Occupied HU | 7,036 (57.2%) |
| Renter Occupied HU | 3,478 (28.3%) |
| Vacant Housing Units | 1,790 (14.5%) |
| Median Home Value | $266,310 |
| Average Home Value | $302,165 |
Housing Distribution
Address Breakdown
Residential
11,411
Single Family
10,730
Multi-Family
681
Businesses
356
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices