3271 McMath DrPalm HarborFL34684
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 3271 McMath Dr, Palm Harbor, FL, 34684 in Palm Harbor is the 1.56 coverage ratio: rent of $2,582/mo versus a $1,659/mo debt payment on a $369,000 property. Rental yield 8.4%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $101,948 by year five, with $3,399/yr in equity from paydown. Total projected cumulative return: $118,122.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.8% |
| Monthly Cash Flow | $(385) | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,582 |
| Total Monthly Debt Service | $2,820 |
| DSCR Ratio | 0.92x |
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.
Single Family
Built in 1983
3,855 sqft lot
$N/A/sqft
$328 monthly 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 1983
3,855 sqft lot
$N/A/sqft
$328 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diane Thompson • CHARLES RUTENBERG REALTY INC
Mls Name: Stellar MLS
Mls Provider:
Mls ID: #TB8392685
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