3180 Phlox DrPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow3180 Phlox Dr, Palm Harbor, FL, 34684 in Palm Harbor is a top-tier cash-flow asset. At $282,000 it produces $2,742/mo in rent and $646/mo in net monthly income, a 11.67% gross rental yield. The DSCR of 2.16 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $7,747. Five-year appreciation adds $77,911, driving a total cumulative return of $163,509.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.8% |
| Monthly Cash Flow | $646 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,742 |
| Total Monthly Debt Service | $1,759 |
| DSCR Ratio | 1.56x |
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 1984
N/A 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
Single Family
Built in 1984
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Moe Mossa • SAVVY AVENUE, LLC
Mls Name: Stellar MLS
Mls ID: #A4681645