31120 J AveBig Pine KeyFL33043
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow31120 J Ave, Big Pine Key, FL, 33043 in Big Pine Key earns its strong cash-flow label: 10.71% yield, $6,960/mo rent, $1,784/mo net income, DSCR 1.98. The $780,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $215,500 by year five. Combined with $7,184/yr in principal paydown, total projected return reaches $412,120.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 8.0% |
| Monthly Cash Flow | $1,784 | $250 |
City averages based on Big Pine Key market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,960 |
| Total Monthly Debt Service | $4,866 |
| DSCR Ratio | 1.43x |
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 2022
10,000 sqft 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 2022
10,000 sqft 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
Listed by: David M Kaufmann • Century 21 Circle
Mls Name: FLKMLS
Mls ID: #615959