26 Siesta Cir WOspreyFL34229
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 26 Siesta Cir W, Osprey, FL, 34229 in Osprey at $129,500 earns $1,004/mo in rent and nets $145/mo after the $582/mo payment, a 9.3% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,778 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $1,193/yr in principal paydown, total projected return reaches $58,712.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $145 | $1,500 |
City averages based on Osprey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,004 |
| Total Monthly Debt Service | $808 |
| DSCR Ratio | 1.24x |
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 1968
3,343 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34229, Osprey, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,629 (100%) |
| Owner Occupied HU | 3,564 (77.0%) |
| Renter Occupied HU | 380 ( 8.2%) |
| Vacant Housing Units | 685 (14.8%) |
| Median Home Value | $777,632 |
| Average Home Value | $948,645 |
Housing Distribution
Address Breakdown
Residential
4,436
Single Family
3,809
Multi-Family
627
Businesses
426
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 1968
3,343 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34229, Osprey, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,629 (100%) |
| Owner Occupied HU | 3,564 (77.0%) |
| Renter Occupied HU | 380 ( 8.2%) |
| Vacant Housing Units | 685 (14.8%) |
| Median Home Value | $777,632 |
| Average Home Value | $948,645 |
Housing Distribution
Address Breakdown
Residential
4,436
Single Family
3,809
Multi-Family
627
Businesses
426
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices