3016 BONAVENTURE CIRCLE #104Palm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 3016 BONAVENTURE CIRCLE #104, Palm Harbor, FL, 34684 in Palm Harbor at $214,900 earns $2,052/mo in rent and nets $166/mo after the $1,019/mo payment, a 11.46% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $59,373 over five years. Ziffy Mortgage underwrites this on a 2.01 DSCR without U.S. credit history. With $1,801/yr in principal paydown, total projected return reaches $118,138.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.8% |
| Monthly Cash Flow | $166 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,052 |
| Total Monthly Debt Service | $1,393 |
| DSCR Ratio | 1.47x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1987
N/A lot
$N/A/sqft
No 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
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Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #TB8548033
