3140 Highlands Blvd UNIT FPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 3140 Highlands Blvd UNIT F, Palm Harbor, FL, 34684 in Palm Harbor is listed at $170,000 and delivers $1,336/mo in rent and $208/mo in net monthly cash flow. The 9.43% yield and 1.75 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $46,968 over five years, and $1,566/yr in principal reduction supplements cash return. Total projected cumulative return: $78,192.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.8% |
| Monthly Cash Flow | $208 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,336 |
| Total Monthly Debt Service | $1,061 |
| DSCR Ratio | 1.26x |
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.
Condo
Built in 1976
8.12 Acres lot
$N/A/sqft
No HOA
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
Condo
Built in 1976
8.12 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sheri Ragsdale • RAGSDALE RESIDENTIAL REALTY
Mls Name: Stellar MLS
Mls ID: #TB8426127