30650 15th StBig Pine KeyFL33043
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Big Pine Key rentals match the income profile of 30650 15th St, Big Pine Key, FL, 33043. Listed at $650,000, gross rent is $5,462/mo and net cash flow is $1,149/mo, a 10.08% yield well above national averages. DSCR 1.87 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $179,583 by year five with $5,987/yr in annual principal reduction, projecting $321,623 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 8.0% |
| Monthly Cash Flow | $1,149 | $250 |
City averages based on Big Pine Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,462 |
| Total Monthly Debt Service | $4,055 |
| 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.
Single Family
Built in 1997
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33043, Big Pine Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,297 (100%) |
| Owner Occupied HU | 1,804 (54.7%) |
| Renter Occupied HU | 453 (13.7%) |
| Vacant Housing Units | 1,040 (31.5%) |
| Median Home Value | $634,941 |
| Average Home Value | $713,442 |
Housing Distribution
Address Breakdown
Residential
2,787
Single Family
2,735
Multi-Family
52
Businesses
301
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 1997
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33043, Big Pine Key, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,297 (100%) |
| Owner Occupied HU | 1,804 (54.7%) |
| Renter Occupied HU | 453 (13.7%) |
| Vacant Housing Units | 1,040 (31.5%) |
| Median Home Value | $634,941 |
| Average Home Value | $713,442 |
Housing Distribution
Address Breakdown
Residential
2,787
Single Family
2,735
Multi-Family
52
Businesses
301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices