2732 Penzance StPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2732 Penzance St, Palm Harbor, FL, 34684 in Palm Harbor. Priced at $295,000, it generates $3,025/mo in gross rent and $665/mo in net monthly cash flow, a 12.31% yield that comfortably supports the 2.28 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,980. Five-year appreciation: $81,503. Equity from principal paydown: $2,717/yr. Total projected cumulative return: $156,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.8% |
| Monthly Cash Flow | $665 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,025 |
| Total Monthly Debt Service | $2,243 |
| DSCR Ratio | 1.35x |
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 1990
1,899 sqft lot
$N/A/sqft
$288 monthly HOA
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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 1990
1,899 sqft lot
$N/A/sqft
$288 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices