27950 Porgie PathLittle Torch KeyFL33042
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Little Torch Key rentals match the income profile of 27950 Porgie Path, Little Torch Key, FL, 33042. Listed at $345,000, gross rent is $5,312/mo and net cash flow is $3,023/mo, a 18.48% yield well above national averages. DSCR 3.42 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $95,317 by year five with $3,177/yr in annual principal reduction, projecting $326,061 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 18.5% | 6.2% |
| Monthly Cash Flow | $3,023 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $5,312 |
| Total Monthly Debt Service | $2,152 |
| DSCR Ratio | 2.47x |
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 1987
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33042, Summerland Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,791 (100%) |
| Owner Occupied HU | 2,570 (53.6%) |
| Renter Occupied HU | 503 (10.5%) |
| Vacant Housing Units | 1,718 (35.9%) |
| Median Home Value | $754,079 |
| Average Home Value | $932,409 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,921
Multi-Family
1
Businesses
149
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 1987
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33042, Summerland Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,791 (100%) |
| Owner Occupied HU | 2,570 (53.6%) |
| Renter Occupied HU | 503 (10.5%) |
| Vacant Housing Units | 1,718 (35.9%) |
| Median Home Value | $754,079 |
| Average Home Value | $932,409 |
Housing Distribution
Address Breakdown
Residential
3,922
Single Family
3,921
Multi-Family
1
Businesses
149
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices