3 Bayshore PointValparaisoFL32580
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder3 Bayshore Point, Valparaiso, FL, 32580 in Valparaiso is a stable, well-positioned rental at $599,900. Rental yield 7.03%. DSCR 1.30 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $165,741 in value and $5,525/yr in principal paydown builds equity, a total projected return of $198,588.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.0% |
| Monthly Cash Flow | $(467) | $1,500 |
City averages based on Valparaiso market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,514 |
| Total Monthly Debt Service | $3,742 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32580, Valparaiso, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,009 (100%) |
| Owner Occupied HU | 1,275 (63.5%) |
| Renter Occupied HU | 603 (30.0%) |
| Vacant Housing Units | 131 ( 6.5%) |
| Median Home Value | $402,423 |
| Average Home Value | $495,335 |
Housing Distribution
Address Breakdown
Residential
1,990
Single Family
1,974
Multi-Family
16
Businesses
227
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 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32580, Valparaiso, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,009 (100%) |
| Owner Occupied HU | 1,275 (63.5%) |
| Renter Occupied HU | 603 (30.0%) |
| Vacant Housing Units | 131 ( 6.5%) |
| Median Home Value | $402,423 |
| Average Home Value | $495,335 |
Housing Distribution
Address Breakdown
Residential
1,990
Single Family
1,974
Multi-Family
16
Businesses
227
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Katie N Morse • Spence Properties
Mls Name: ECAOR
Mls ID: #992360