21525 SW 87th CtCutler BayFL33189
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 21525 SW 87th Ct, Cutler Bay, FL, 33189 in Cutler Bay. Priced at $340,000, it generates $3,383/mo in gross rent and $976/mo in net monthly cash flow, a 11.94% yield that comfortably supports the 2.21 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,706. Five-year appreciation: $93,936. Equity from principal paydown: $3,131/yr. Total projected cumulative return: $202,079.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $976 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,383 |
| Total Monthly Debt Service | $2,121 |
| DSCR Ratio | 1.59x |
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 2001
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33189, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,800 (100%) |
| Owner Occupied HU | 5,592 (57.1%) |
| Renter Occupied HU | 3,940 (40.2%) |
| Vacant Housing Units | 268 ( 2.7%) |
| Median Home Value | $466,823 |
| Average Home Value | $556,060 |
Housing Distribution
Address Breakdown
Residential
9,346
Single Family
7,297
Multi-Family
2,049
Businesses
475
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 2001
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33189, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,800 (100%) |
| Owner Occupied HU | 5,592 (57.1%) |
| Renter Occupied HU | 3,940 (40.2%) |
| Vacant Housing Units | 268 ( 2.7%) |
| Median Home Value | $466,823 |
| Average Home Value | $556,060 |
Housing Distribution
Address Breakdown
Residential
9,346
Single Family
7,297
Multi-Family
2,049
Businesses
475
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MIAMI
Mls ID: #A12008043