325 Calusa St #301Key LargoFL33037
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 325 Calusa St #301, Key Largo, FL, 33037 in Key Largo. Rental yield 4.58%. At $739,000 with 4.58% gross yield, current distributions are modest, but the 5% appreciation rate projects $204,172 in new equity by year five, complemented by $6,806/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.85) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $137,224.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.5% |
| Monthly Cash Flow | $(2,256) | $1,200 |
City averages based on Key Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,820 |
| Total Monthly Debt Service | $4,782 |
| DSCR Ratio | 0.59x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Manufactured
Built in 2025
2,141 sqft lot
$N/A/sqft
$172 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33037, Key Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,705 (100%) |
| Owner Occupied HU | 4,666 (43.6%) |
| Renter Occupied HU | 1,622 (15.2%) |
| Vacant Housing Units | 4,417 (41.3%) |
| Median Home Value | $777,375 |
| Average Home Value | $1,018,328 |
Housing Distribution
Address Breakdown
Residential
8,579
Single Family
8,132
Multi-Family
447
Businesses
826
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
Manufactured
Built in 2025
2,141 sqft lot
$N/A/sqft
$172 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33037, Key Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,705 (100%) |
| Owner Occupied HU | 4,666 (43.6%) |
| Renter Occupied HU | 1,622 (15.2%) |
| Vacant Housing Units | 4,417 (41.3%) |
| Median Home Value | $777,375 |
| Average Home Value | $1,018,328 |
Housing Distribution
Address Breakdown
Residential
8,579
Single Family
8,132
Multi-Family
447
Businesses
826
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeanette Quijano • Florida Capital Realty
Mls Name: MIAMI
Mls Provider:
Mls ID: #A11856162
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.