31 SE 5th St APT 4118MiamiFL33131
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Miami rentals match the income profile of 31 SE 5th St APT 4118, Miami, FL, 33131. Listed at $809,900, gross rent is $7,604/mo and net cash flow is $628/mo, a 11.27% yield well above national averages. DSCR 1.98 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $223,760 by year five with $6,789/yr in annual principal reduction, projecting $436,953 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 5.8% |
| Monthly Cash Flow | $628 | $1,850 |
City averages based on Miami 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 | $7,604 |
| Total Monthly Debt Service | $5,250 |
| DSCR Ratio | 1.45x |
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 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33131, Miami, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,011 (100%) |
| Owner Occupied HU | 5,504 (29.0%) |
| Renter Occupied HU | 9,843 (51.8%) |
| Vacant Housing Units | 3,664 (19.3%) |
| Median Home Value | $721,381 |
| Average Home Value | $849,940 |
Housing Distribution
Address Breakdown
Residential
17,448
Single Family
3
Multi-Family
17,445
Businesses
2,221
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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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Nearby investment properties with comparable prices
