2425 31st St SSaint PetersburgFL33712
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2425 31st St S, Saint Petersburg, FL, 33712 in Saint Petersburg. Priced at $255,900, it generates $3,716/mo in gross rent and $2,018/mo in net monthly cash flow, a 17.43% yield that comfortably supports the 3.23 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $24,219. Five-year appreciation: $70,700. Equity from principal paydown: $2,357/yr. Total projected cumulative return: $227,395.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 17.4% | 6.0% |
| Monthly Cash Flow | $2,018 | $1,800 |
City averages based on Saint Petersburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,716 |
| Total Monthly Debt Service | $1,596 |
| DSCR Ratio | 2.33x |
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 1957
8,760 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33712, Saint Petersburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,543 (100%) |
| Owner Occupied HU | 5,785 (46.1%) |
| Renter Occupied HU | 5,828 (46.5%) |
| Vacant Housing Units | 930 ( 7.4%) |
| Median Home Value | $384,910 |
| Average Home Value | $457,502 |
Housing Distribution
Address Breakdown
Residential
12,048
Single Family
9,657
Multi-Family
2,391
Businesses
658
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 1957
8,760 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33712, Saint Petersburg, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,543 (100%) |
| Owner Occupied HU | 5,785 (46.1%) |
| Renter Occupied HU | 5,828 (46.5%) |
| Vacant Housing Units | 930 ( 7.4%) |
| Median Home Value | $384,910 |
| Average Home Value | $457,502 |
Housing Distribution
Address Breakdown
Residential
12,048
Single Family
9,657
Multi-Family
2,391
Businesses
658
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices